Malaysia MyFuelCost
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Can I Afford This Car? Mampukah Saya Beli Kereta Ini?

Enter your salary and the car you want. We'll work out the real monthly cost — loan, fuel, insurance, road tax and maintenance — and tell you exactly what share of your salary it eats, with a clear Safe / Stretch / Risky verdict. Masukkan gaji anda dan kereta yang anda mahu. Kami akan kira kos bulanan sebenar — pinjaman, minyak, insurans, cukai jalan dan penyelenggaraan — dan beritahu berapa peratus gaji ia gunakan, dengan keputusan jelas Selamat / Ketat / Berisiko.

1. Your finances1. Kewangan anda

Other loans / PTPTN / credit card minimums.Pinjaman lain / PTPTN / minimum kad kredit.

2. The car2. Kereta

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3. Driving & loan terms3. Pemanduan & terma pinjaman

Affordability ReportLaporan Kemampuan

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This car consumesKereta ini menggunakan —

of your gross monthly salary. Comfortable is under 20%.daripada gaji kasar bulanan anda. Selesa adalah di bawah 20%.

Loan instalmentAnsuran pinjaman
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FuelMinyak
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Insurance + road taxInsurans + cukai jalan
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MaintenancePenyelenggaraan
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Total / monthJumlah / bulan
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Recommended salary for this carGaji disyorkan untuk kereta ini —
Debt service ratio (DSR)Nisbah khidmat hutang (DSR) —

💡 Recommendation💡 Cadangan

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Estimate only — not financial advice. Actual loan, insurance and running costs vary by bank, NCD, location and driving style.Anggaran sahaja — bukan nasihat kewangan. Pinjaman, insurans dan kos sebenar berbeza mengikut bank, NCD, lokasi dan gaya pemanduan.

Trip cost calculatorKalkulator kos perjalanan

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Frequently asked questionsSoalan lazim

How much salary do I need to buy a car in Malaysia?

A common rule of thumb is that your car loan instalment should stay under 15% of your gross monthly salary, and total car ownership (instalment, fuel, insurance, road tax and maintenance) under about 20%. So for a car that costs RM1,000 a month to own, you'd ideally earn around RM5,000 a month. This tool works out the exact figure for the car you pick.

What percentage of my salary should a car cost?

As a guide, keep the monthly loan repayment to roughly 15% of gross income and total running costs to around 20%. Banks also apply a Debt Service Ratio (DSR) — the total of all your loan repayments — and usually want it under 40% of your income.

Does this include fuel, insurance and road tax?

Yes. The estimate adds your monthly loan instalment, fuel (based on your mileage and the car's real-world consumption at today's prices), insurance, road tax calculated from engine size, and a maintenance allowance — so it reflects the true cost of ownership, not just the loan.

Should I buy a car if I plan to buy a house soon?

A car loan increases your Debt Service Ratio, which directly reduces how much home financing a bank will approve. If you intend to apply for a mortgage within the next 1–3 years, it's usually wise to keep your car commitment low or delay the purchase. Tick the box in the tool to factor this into the advice.

How is the monthly car loan instalment calculated?

Malaysian car loans use flat-rate hire purchase: total interest = loan amount × flat rate × tenure in years. The instalment is (loan + total interest) ÷ total months. This tool defaults to a 10% down payment, a 9-year tenure and a 3% flat rate, all of which you can adjust.

Berapa gaji diperlukan untuk beli kereta di Malaysia?

Panduan biasa ialah ansuran pinjaman kereta anda patut kekal di bawah 15% daripada gaji kasar bulanan, dan jumlah kos memiliki kereta (ansuran, minyak, insurans, cukai jalan dan penyelenggaraan) di bawah kira-kira 20%. Jadi untuk kereta yang menelan kos RM1,000 sebulan, anda sebaiknya berpendapatan kira-kira RM5,000 sebulan. Alat ini mengira angka tepat untuk kereta yang anda pilih.

Berapa peratus gaji patut dibelanjakan untuk kereta?

Sebagai panduan, kekalkan bayaran ansuran bulanan pada kira-kira 15% daripada pendapatan kasar dan jumlah kos berjalan pada sekitar 20%. Bank juga mengira Nisbah Khidmat Hutang (DSR) — jumlah semua bayaran pinjaman anda — dan biasanya mahukan ia di bawah 40% daripada pendapatan.

Adakah ini termasuk minyak, insurans dan cukai jalan?

Ya. Anggaran ini menambah ansuran pinjaman bulanan, minyak (berdasarkan perbatuan anda dan penggunaan sebenar kereta pada harga hari ini), insurans, cukai jalan yang dikira daripada saiz enjin, dan elaun penyelenggaraan — jadi ia mencerminkan kos sebenar pemilikan, bukan sekadar pinjaman.

Patutkah saya beli kereta jika bercadang membeli rumah tidak lama lagi?

Pinjaman kereta meningkatkan Nisbah Khidmat Hutang anda, yang terus mengurangkan jumlah pembiayaan rumah yang akan diluluskan bank. Jika anda berhasrat memohon pinjaman rumah dalam tempoh 1–3 tahun, biasanya bijak mengekalkan komitmen kereta yang rendah atau menangguhkan pembelian. Tanda kotak dalam alat ini untuk mengambil kira perkara ini.

Bagaimana ansuran bulanan pinjaman kereta dikira?

Pinjaman kereta Malaysia menggunakan sewa beli kadar rata: jumlah faedah = jumlah pinjaman × kadar rata × tempoh dalam tahun. Ansuran ialah (pinjaman + jumlah faedah) ÷ jumlah bulan. Alat ini menggunakan lalai bayaran muka 10%, tempoh 9 tahun dan kadar rata 3%, yang semuanya boleh anda laraskan.

How much salary do you need to afford a car in Malaysia?

The honest answer is more than the loan instalment alone. A car costs you every month in five ways: the hire-purchase repayment, fuel, insurance, road tax and maintenance. A widely used rule of thumb is to keep the loan repayment under 15% of your gross salary and total car ownership under about 20%. Banks separately apply a Debt Service Ratio (DSR) — the sum of all your monthly loan repayments — and usually want it below 40% of income.

A worked example — a RM90,000 car

Take a Honda City-class sedan at RM90,000, financed over 9 years at a 3.0% flat rate with a 10% down payment, driven 1,500 km a month on RON95. At today's prices the monthly cost works out roughly as:

  • Loan instalment: RM952
  • Fuel: RM257
  • Insurance + road tax: RM195
  • Maintenance allowance: RM167
  • Total ≈ RM1572/month

To keep that under the 20% comfort line, you'd want to earn around RM7,858 a month. Enter your own salary and car above to get the exact figure for your situation.

Why fuel and the Budi95 subsidy matter

Fuel is the cost that changes most with how you drive. A thirsty SUV at 10 L/100km can cost double what an efficient hatchback does over the same distance. Most Malaysian drivers pay the subsidised RON95 Budi95 price within their monthly quota, which this tool uses by default — but if your car needs RON97 or you exceed your quota, the running cost rises. You can see the live numbers on our trip cost calculator.

Buying a house soon? Be careful

A car loan locks in a monthly commitment for up to nine years and pushes up your DSR. If you intend to apply for a mortgage in the next one to three years, that commitment directly shrinks the home loan a bank will approve. Tick the home-loan box above and the advice will flag it for you.

Berapa gaji diperlukan untuk mampu beli kereta di Malaysia?

Jawapan jujurnya lebih daripada ansuran pinjaman sahaja. Kereta menelan kos setiap bulan dalam lima cara: bayaran sewa beli, minyak, insurans, cukai jalan dan penyelenggaraan. Panduan yang biasa digunakan ialah mengekalkan bayaran pinjaman di bawah 15% daripada gaji kasar dan jumlah pemilikan kereta di bawah kira-kira 20%. Bank pula menggunakan Nisbah Khidmat Hutang (DSR) — jumlah semua bayaran pinjaman bulanan anda — dan biasanya mahukan ia di bawah 40% daripada pendapatan.

Contoh kiraan — kereta RM90,000

Ambil sedan sekelas Honda City pada RM90,000, dibiayai selama 9 tahun pada kadar rata 3.0% dengan bayaran muka 10%, dipandu 1,500 km sebulan menggunakan RON95. Pada harga hari ini, kos bulanan adalah lebih kurang:

  • Ansuran pinjaman: RM952
  • Minyak: RM257
  • Insurans + cukai jalan: RM195
  • Elaun penyelenggaraan: RM167
  • Jumlah ≈ RM1572/bulan

Untuk mengekalkannya di bawah garis selesa 20%, anda perlu berpendapatan kira-kira RM7,858 sebulan. Masukkan gaji dan kereta anda sendiri di atas untuk mendapat angka tepat bagi keadaan anda.

Mengapa minyak dan subsidi Budi95 penting

Minyak ialah kos yang paling banyak berubah mengikut cara anda memandu. SUV yang boros pada 10 L/100km boleh menelan kos dua kali ganda berbanding hatchback jimat untuk jarak yang sama. Kebanyakan pemandu Malaysia membayar harga RON95 Budi95 bersubsidi dalam kuota bulanan, yang digunakan alat ini secara lalai — tetapi jika kereta anda memerlukan RON97 atau anda melebihi kuota, kos meningkat. Lihat angka langsung di kalkulator kos perjalanan kami.

Bakal beli rumah? Berhati-hati

Pinjaman kereta mengunci komitmen bulanan sehingga sembilan tahun dan menaikkan DSR anda. Jika anda berhasrat memohon pinjaman rumah dalam satu hingga tiga tahun akan datang, komitmen itu terus mengecilkan pinjaman rumah yang akan diluluskan bank. Tanda kotak pinjaman rumah di atas dan cadangan akan menandakannya untuk anda.