Keeping Crypto Records You Can Actually File
IRAS publishes a list of eight things your crypto records should contain. An exchange CSV gives you four of them, and ge...
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What a Car Actually Costs to Own in Malaysia and Singapore
A Singapore Category A COE closed at S$126,000 in July — roughly eight times the price of an entire new Perodua Myvi. Ro...
Living in One Country, Earning in Another
Singapore counts 183 days, Malaysia 182, Indonesia more than 183 — and all three count them over different windows, whic...
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How to Read Your Payslip in Singapore, Malaysia and Indonesia
Every line on your payslip, what it actually is, who pays it, and which ones you can change. Including the Singapore ded...
What Changed in the Statutory Rates This Year
If you earn S$60,000 in Singapore, your tax bill this year is S$200 higher on identical income — and no rate changed, no...
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...
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...
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...
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...
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...
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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