Free Calculators · From the HomeSifu Webinar
The 8 numbers to check
before you buy.
Five checks — your Goal, your Budget, the Price, the Return, and the Exit. These free calculators handle every number in them, for any property, in any situation. No sign-up, works on your phone.
Should you buy that property?
Walk one property through all 5 checks — Goal, Budget, Price, Return, Exit — and get a scorecard verdict: go, negotiate, or walk away.
Start the 5 Checks →Check 2The Budget
The ×200 Rule
Your spare cash × 200 = the price you can comfortably carry. The 10-second budget check — before the bank tells you what it's willing to lend.
Open → 2 Loan eligibilityDSR Calculator
Will the bank say yes? Work out your Debt Service Ratio — and remember: a yes from the bank doesn't mean you can afford it.
Open → 3 True costUpfront Cash + Monthly Cost
Down payment, fees, reno, buffer — the real cash before the keys (and what EPF can cover), plus the true monthly carry after.
Open →Check 3The Price
PSF Comparison
Which unit is really cheaper? A lower total price can hide a higher price per square foot — compare two units on equal footing.
Open →Check 4The Return
Rental ROI — The 6% Rule
Does the rent hit 6% — the level where the property pays for itself? Above it, the tenant buys the house for you.
Open → 6 Net yield & cash flowMonthly Cash Flow
After holding costs AND the loan installment — does the rent cover everything, or do you quietly top up every month?
Open →Check 5The Exit
Future Value
What will it really be worth? Growth starts from the market value — not the price you paid. See your true gain over time.
Open → 8 Exit costs & RPGTWhat You Keep When You Sell
Agent, legal, penalties, repairs, RPGT — the costs waiting at the exit, and what actually lands in your pocket.
Open →All tools are for general education only and are not financial, legal or tax advice. Malaysian rates and rules change with each Federal Budget and vary by bank — always confirm with the relevant authority (LHDN, BNM) or a licensed professional.