RECATOOLS Editorial is the general editorial desk responsible for platform updates, tool explainers, technology news summaries, and practical guides. Articles under this byline are reviewed for clarity, usefulness, source quality, and relevance to RECATOOLS readers.

About this byline

RECATOOLS Editorial is a general editorial desk byline. Articles are produced and reviewed under RECATOOLS editorial supervision.

78
Articles
ASEAN Tech
Primary beat
Jan 2026
Writing since
~435 min
Total reading
All 78 ASEAN Tech 26 Developer Tools 18 Finance 16 AI & ML 15 Health & Wellness 3

Articles · Finance Showing 1–10 of 16

A calculator on financial paperwork — checking the tool before trusting its answer
Finance

How to Pick a Personal-Finance Calculator You Can Trust (2026)

A calculator is only as good as its tables and assumptions. The five failure modes to spot, plus a 60-second check to run before you trust any answer.

14 Jul 2026 · 9 min read
HDB flats in Singapore — working out what mortgage your income actually supports
Finance

How to Estimate a Mortgage You Can Actually Afford (Singapore & Malaysia, 2026)

TDSR, MSR and the 4% floor in Singapore; bank DSR practice in Malaysia — two worked examples show exactly how much home loan you can afford in 2026.

14 Jul 2026 · 10 min read
A printed till receipt — where Malaysian service tax actually shows up
Finance

SST in 2026: What's Taxed, What's Not, and How to Compute It

Malaysia's SST in 2026, receipt by receipt: which goods carry 5% or 10%, which services pay 6% or 8%, the Jan 2026 rental cut, and three worked examples.

14 Jul 2026 · 9 min read
Jakarta — BPJS health and employment contributions come off Indonesian payslips
Finance

How BPJS Kesehatan & Ketenagakerjaan Deductions Work (2026)

What BPJS Kesehatan and Ketenagakerjaan take from an Indonesian salary in 2026: rates, the two different wage caps, and a full Rp10 million example.

14 Jul 2026 · 7 min read
Kuala Lumpur skyline — comparing take-home pay across the causeway
Finance

Singapore vs Malaysia Income Tax: Where Does Your Salary Go Further? (2026)

Three salaries computed under SG YA2026 and MY YA2025 rules: tax bands, CPF vs EPF deductions, and the honest cash vs tax-only take-home split.

14 Jul 2026 · 8 min read
Singapore skyline — CPF contributions rise with the 2026 senior-worker rates
Finance

CPF Contributions Explained: Rates, Ceilings & What Changed in 2026

The 2026 CPF rate table, the $8,000 OW ceiling, the AW bonus formula, and a full worked example — plus the senior-rate step-up already set for 2027.

14 Jul 2026 · 7 min read
Calculator and tax paperwork — working out a monthly PCB deduction
Finance

How to Read Your Malaysia PCB (MTD) Deduction — the Formula Explained (2026)

Your PCB deduction is an estimate of your annual tax, spread across the months. Here's the LHDN formula behind it, with 2026 rates and a worked example.

14 Jul 2026 · 8 min read
Malaysian ringgit banknotes — EPF, SOCSO and EIS are deducted from monthly wages
Finance

How to Calculate EPF, SOCSO & EIS Deductions in Malaysia (2026)

Most Malaysian employees pay 11% EPF plus small SOCSO (0.5%) and EIS (0.2%) deductions — here's how the 2026 band tables really work, with a full worked example.

14 Jul 2026 · 8 min read
Bitcoin Breaks $80,000 at Consensus 2026 as ETF Inflows Hit $1.97 Billion in April
Finance

Bitcoin Breaks $80,000 at Consensus 2026 as ETF Inflows Hit $1.97 Billion in April

Bitcoin broke $80,000 on May 4 as Consensus 2026 opened in Miami. April ETF inflows hit $1.97B — the strongest month of 2026. Here is what ASEAN crypto investors need to know.

5 May 2026 · 5 min read
Visa Launches "Agentic Ready" Programme in Singapore as Stablecoin Settlements Hit $7 Billion Annually
Finance

Visa Launches "Agentic Ready" Programme in Singapore as Stablecoin Settlements Hit $7 Billion Annually

Visa has launched its Agentic Ready programme with 13 Singapore issuers to prepare banks for AI-agent payments, while its stablecoin settlement pilot has reached a $7 billion annualised run rate across five new blockchains.

2 May 2026 · 5 min read
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