Property calculators
Use these planning tools before viewing projects. Estimate loan instalment, DSR, rental yield, full cash flow, ROI, MOT stamp duty, and price per square foot, then WhatsApp Lewis for a clearer project comparison.
How to use
Best use
Start with how much you can comfortably pay monthly, and find your max property price and cash needed.
Use before starting your property search so you only look at homes within your comfortable budget.
Use it in 3 steps
- 1Enter your comfortable monthly instalment.
- 2Set your expected loan margin, interest rate and tenure.
- 3Review the calculated maximum property price, loan, entry cash and income guide.
What Can I Afford? (Reverse Affordability Calculator)
Enter your target monthly instalment, expected down payment, bank interest rate, and tenure. This calculates your maximum property price and estimated cash required to buy.
Max property price
RM 489,000
Estimated loan amount
RM 440,000
Entry cash guide
RM 70,800
Income guide
Around RM 5,700 / month
Entry cash = down payment + SPA/legal + stamp duty + loan agreement buffers. Developer packages may absorb part of this.
What the result means
Shows the property budget and upfront cash matching your target monthly payment.
Before deciding
Bank approval depends on your DSR, income verification, and existing debts. Always check with bank/Lewis before booking.
Next step
Share your comfortable monthly budget with Lewis to match projects in your range.
Disclaimer: calculator results are estimates for planning only. Bank approval, DSR method, interest rate, lock-in period, legal fees, valuation, stamp duty assessment, and loan package may vary.
Renovation Budget Calculator
Estimate renovation and move-in budget before stretching your property purchase price.
Works guide
RM 49,500
Furniture guide
RM 28,000
Appliances
RM 9,000
Buffer
RM 10,380
Total guide
RM 96,880
Quick summary
Quick Facts
Best For
Buyer Profile
Main Strength
Main Risk
Next Step
| Best For | Loan instalment, DSR, rental yield, cash-flow stress test, ROI, MOT and price comparison |
|---|---|
| Buyer Profile | First-time buyer / investor / upgrader / foreign buyer |
| Main Strength | Turns rough numbers into a safer viewing, holding-cost and shortlist conversation |
| Main Risk | Calculator numbers are estimates and must be verified with banks, lawyers and current project packages |
| Next Step | Send your result, budget, area and buying purpose to Lewis for project matching |
Available Calculators
Use the right tool for the decision you are trying to make.
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| Tool | Use Case | Next Step |
|---|---|---|
| Loan Instalment | Estimate monthly mortgage commitment. | Compare instalment with income and DSR comfort. |
| DSR | Check rough affordability from income and commitments. | Ask Lewis to match projects to your loan comfort. |
| Rental Yield | Compare rent against entry price. | Verify rent evidence with current listings and vacancy risk. |
| Cash Flow | Stress test monthly holding cost after vacancy, annual costs, agent fee and furnishing reserve. | Check annual cash buffer before relying on rent. |
| ROI / MOT / Converter | Estimate cost, return and price per size. | Confirm legal and tax numbers before booking. |
Calculator FAQ
Can these property calculators confirm bank approval?
No. Calculator output is an estimate. Bank approval, DSR method, interest rate, legal fees and loan package must be verified before booking.
What should I send Lewis after using the calculators?
Send your budget, preferred area, buying purpose, loan status and calculator result so Lewis can compare suitable project options.
Need help reading the numbers?
Send Lewis your budget, preferred area, and purpose. He can help you shortlist projects, compare numbers, and plan the next viewing.