FINANCE · Updated 21 Jul 2026 —
EPF vs CPF: How Malaysia's and Singapore's Retirement Systems Compare (2026)
Side-by-side 2026 comparison of Malaysia's EPF and Singapore's CPF: contribution rates, ceilings, dividends vs floors, w...
Guides & How-tos
Finance guides
Step-by-step how-tos, head-to-head comparisons and honest roundups — every guide worked through with current figures, then backed by a RECATOOLS calculator or AI-directory entry so you can act on it.
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FINANCE · Updated 21 Jul 2026 —
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 ru...
FINANCE · Updated 21 Jul 2026 —
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...
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FINANCE · Updated 21 Jul 2026 —
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 renta...
FINANCE · Updated 21 Jul 2026 —
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...
FINANCE · Updated 21 Jul 2026 —
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 ta...
FINANCE · Updated 21 Jul 2026 —
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 s...
FINANCE · Updated 21 Jul 2026 —
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...
FINANCE · Updated 21 Jul 2026 —
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...
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