Apa yang baharu

The giveaway page shows a live campaign first. One running campaign gets a large card (image beside the text on desktop); several share a grid. Campaigns that have not started sit below as short rows with their start date and how many days are left.

Tap "Tunjuk kod QR" to redeem. The code opens in a panel with a "Buka pautan penebusan" link underneath, so it also works on the phone you are scanning with. Campaigns that have not started show no QR button.

A campaign without a picture no longer leaves a big empty box, and each start date appears once.

Campaign times follow Malaysian time for everyone. A visitor outside Malaysia saw campaigns start and end at the wrong hour, and could still see one that had ended.

"Cuba lagi" reloads the list when it fails to load, and the empty page's "Lihat kalkulator" link goes to the calculators again.

"Apa yang baharu" (the changelog page) is up to date again. It had stopped at May 2026 and missed every redesign since; it now lists each release from August 2026 onwards as soon as it ships, with the early history kept below.

Easier to scan. The five newest releases are open; older ones fold into one row each (version, date, number of changes) and open with a tap. Each change says whether it is new, improved, fixed, faster or removed, in Malay, and the dates read "14 Okt 2026".

On a phone the change text uses the full width, with its label above it, instead of a narrow column.

Changes with sub-points (for example the flat-rate calculator's limit checks) now show those sub-points instead of an empty heading.

The privacy policy and terms of service read like the guides. Each opens with its title and the date its wording last changed, has a "Kandungan" list of sections (a sheet on phones, a column beside the text on desktop), and links to the other document and to the feedback page for questions. The legal wording itself is unchanged.

"Last updated" no longer claims the documents changed today. Both pages printed the date the site was last rebuilt; they now show when the wording actually last changed (privacy policy 18 Jun 2025, terms 5 Oct 2025).

The terms page has its own title and description for search engines and link previews; it used to fall back to the homepage's.

The video guides are rebuilt for quick scanning on a phone. Each video is now a compact row (thumbnail, title, creator, topic) instead of one large tile per screen, so you see several at once. Topics, search and "Muat lagi" work as before, and every video gets the same treatment.

Videos only load from YouTube when you press play. The watch page shows the cover image with a play button; YouTube's player (and its cookies) loads only after you tap it, using YouTube's privacy mode. The page opens faster, and nothing is sent to YouTube just for visiting.

Chapters are easy to find. When a video has chapters, "Bab video" lists them under the title; tap one to start the video from that point.

One clear next step. Each video links to one related calculator, and "Video berkaitan" sits beside the player on desktop and below it on a phone.

Same site header and breadcrumb ("Laman utama › Video") as the guides. Creator links stay labelled as not endorsed by Celik Finance, and creator disclaimers stay folded until you open them.

A browser test now checks the video list and a watch page on phone and desktop, in Chromium and WebKit, on every change.

Creator links in a short description could not be reached; they now always show.

A link to a video that no longer exists shows the "halaman tiada" page and tells search engines not to index it.

The guides (Panduan) are rebuilt for reading on a phone, in Malay throughout. An article now starts with its title, one line for the author, date and reading time, and a link to the other language when a translation exists ("Baca dalam Bahasa Melayu" / "Baca dalam English"). The row of tag pills and the duplicate topic label are gone, so the first paragraph is on screen without scrolling past them.

A table of contents on phones. "Kandungan" opens a list of the article's sections; tap one to jump straight to it. After you scroll past the title, a bar at the bottom keeps "Kandungan" and "Buka kalkulator" one tap away. On desktop the contents and the related calculator sit in a column beside the article and follow you down the page.

Numbered steps show their numbers again. Every list in an article used to show bullets, so step-by-step instructions in 13 guides lost their order.

Easier to read on a wide screen. Lines were up to 113 characters long; the article column now holds about 65–80, with slightly larger text.

The guide list is easier to scan. The newest guide leads, each card says its topic and whether it is in BM or English, topics scroll in one row on a phone, and a Semua · BM · English switch filters by language. Search keeps working, and an empty result says why (no match, nothing in that topic, or nothing in that language for that topic) with a one-tap way back.

Sources at the end of each guide are numbered with the organisation and the date they were checked, and the in-text references still jump to them.

The page titles, descriptions and links search engines use are unchanged. A browser test now checks the guide list and an article on phone and desktop, in Chromium and WebKit, on every change.

The article's structured data for search engines is now written safely (a title containing "<" can no longer break it).

Breadcrumbs on the guides read "Laman utama › Panduan" and stay on one line on a phone.

Tax rates for 2027 follow Bajet 2027. From January 2027 the salary calculator's monthly tax (PCB) uses the proposed YA 2027 rules: individual relief rises from RM 9,000 to RM 12,000, the RM 70,001–100,000 band drops from 19% to 18%, a new RM 100,001–150,000 band is taxed at 24% (was 25%), and the top 30% rate starts above RM 1,000,000 (was RM 2,000,000). These are the Budget proposals tabled on 9 October 2026; the published rates will be updated once the Finance Act and LHDN's 2027 PCB rules are out. YA 2025 and YA 2026 are unchanged.

Search engines now see each page's FAQ, breadcrumb and calculator details in the page itself. This structured data used to be added only after the page's scripts ran, so crawlers that do not run JavaScript missed it.

The admin tax-rates and income-classification forms fit on a phone. Each label now sits above its field on small screens instead of pushing the row off the side.

Closing a sheet returns focus to the button that opened it, rewritten so it no longer breaks React's rules (three lint errors fixed, behaviour unchanged).

Removed code nothing used any more after the calculator redesigns: the old section rail, the salary translation block and about 500 lines of unused styles. The month helper shared by the student loan and wedding calculators now lives in one place, and stale design specs were archived.

The income tax calculator is rebuilt so the answer comes first, in Malay throughout. It used to open on RM 0.00, and the desktop form and results were in English. It now opens on an example (RM 60,000 a year, single, KWSP RM 6,600) marked "Contoh" and says the tax for YA 2025 (RM 1,320), the effective rate and the highest rate band. Four rows below it (income, family, reliefs, PCB & zakat) each open a sheet with one thing to change.

Ask it questions: "Bayar lagi atau dapat balik?" compares your PCB with the tax and says what to do next, "Kenapa cukai saya RM 1,320?" walks through each rate band with your numbers, and "Boleh kurangkan lagi?" lists the reliefs you have not claimed and how much each would cut your tax, worked out band by band. "Lagi pilihan" holds compensation for loss of employment and how the sums are done.

On desktop the form sits beside the answer, with three tabs: Kadar, Pelepasan and Baki, plus "Cara kira & had" underneath.

Reliefs are grouped (KWSP & PERKESO, perubatan, gaya hidup, pendidikan, anak) and each shows its limit. Child reliefs appear once you add a child. Every limit comes from the published tax rates, not the page.

A wrong PCB or zakat figure no longer blanks the answer; the field says what to fix.

Sources, a glossary and common questions in plain Malay, like the other calculators. Old links to #faq, #sources and #income-tax-inputs still work. A browser test now checks the page on phone and desktop on every change.

The wedding budget calculator is rebuilt so the answer comes first. It opens on an example (500 guests, catering RM 60 a head, venue RM 1,500, a standard PA system) marked "Contoh", and says the estimated budget (RM 41,281.90), the cost per guest, and how much is vendor costs, service charge + SST, and the budget cushion. Four rows below it (guests, catering, venue, other costs) each open a sheet with one thing to change.

Ask it questions: "Bila duit cukup?" turns your savings and monthly saving into a target month with a chart, "Kalau tetamu bertambah?" shows the budget for 100 or 200 guests more or fewer, and "Ke mana duit pergi?" breaks the budget down line by line. "Lagi pilihan" holds the service charge / SST / cushion settings, the catering-price comparison (your own price first) and how the sums are done.

On desktop the form sits beside the answer, with three tabs: Pecahan, Banding and Simpanan.

Plain words. "Pax", "buffer" and "service charge" are gone from the page: it says tetamu, ruang bajet and caj perkhidmatan, and explains SST (cukai perkhidmatan) and the PA system (pembesar suara) where they appear. Extra items are one compact row each.

Sources, a glossary and common questions in plain Malay, like the other calculators. Old links to #faq and #sources still work.

The savings target month no longer depends on the server's clock or the day of the month. It used to be worked out from "today" on the server, which could disagree with your phone around the end of a month, and a start on the 31st could skip a month. It now counts whole months from the first of the current month in Malaysian time.

A wrong number in a setting now says which field to fix, instead of always asking for the number of guests, and the settings group stays open while it is wrong.

When a student loan would never finish, the two totals in the answer now show "—" with one line underneath saying they cannot be worked out yet. The longer "Belum dapat dikira" text did not fit its column on some screens.

The student loan calculator is rebuilt so the answer comes first. It used to open on an empty form. It now opens on an example (PTPTN RM 20,000, paying RM 184 a month after the 12-month grace) and says when you are debt-free (Sep 2037), how much you pay in total and how much of it is Ujrah. Three rows below it (your loans, monthly payment, when payments start) each open a sheet with one thing to change.

One monthly payment instead of three "Bajet" boxes. "Kalau saya bayar lebih?" compares it with two higher amounts and says how much sooner you finish and how much Ujrah you save.

Ask it questions: "Berapa Ujrah yang saya bayar?" walks through the charge with your own numbers, "Jadual bayaran" shows each year (with a CSV), and "Bayaran ikut gaji (PTPTN 5–8%)" gives PTPTN's restructuring reference for your salary.

On desktop the form sits beside the answer, with three tabs: Ringkasan (balance over time and each loan), Banding and Jadual.

Honest when the payment is too small. If a loan would not finish within 50 years, the page says "Belum selesai" and hides totals instead of showing partial figures as if they were final.

Sources, a glossary and common questions in plain Malay, like the other calculators. Old links to #calculate still work.

A TKWBNS balance above RM 50,000 no longer keeps an old table instalment. The official instalment from your letter is now asked for instead.

When an institution fixes the instalment (TKWBNS), the answer says the real monthly payment rather than the budget you typed.

The zakat calculator is rebuilt so the answer comes first. On phone it opens on an example (zakat pendapatan for RM 5,000 a month in Selangor: RM 1,500 a year, about RM 125 a month), says whether zakat is wajib against your state's nisab, and puts the "Bayar di" button for your state's zakat centre right under it. Rows below (state, type of zakat and that type's two or three values) each open a sheet with one thing to change.

The "Tahun / Haul" picker is gone from income, savings, KWSP, business and fidyah. It never changed the answer. Gold and silver keep a year, because it picks that year's price.

Gold is two numbers instead of a list: grams kept and grams worn. Worn gold is free up to your state's allowance (800 g in Selangor), and the sum is the same as before.

Ask it questions: "Bagaimana zakat ini dikira?" shows the steps with your own numbers, "Boleh kurangkan cukai saya?" works out the tax rebate from the tax you owe, and "Nisab di negeri lain" lists all 16 states (nisab, worn-gold allowance and fidyah per day), where you can switch state.

On desktop the form sits beside the answer, with three tabs: Cara kira, Nisab negeri and Rebat cukai.

Business zakat explains its tax treatment. A sole proprietor or partnership gets a rebate; for a company (Sdn Bhd / Bhd) it is a deduction under Seksyen 44(11A), not a rebate.

Sources, a glossary and seven common questions now sit on the page, like the other calculators. Old links to /zakat-calculator?state=…&type=… and #hitung still work.

Eight states' nisab were out of date and are updated from each zakat centre's own site (checked 13 Oktober 2026): Johor RM 46,294.89 (was 54,256), Pulau Pinang 33,890 (31,000), Perak 48,954.73 (32,134), Kedah 32,871.27 (32,010), Melaka 40,092.42 (29,741), Sarawak 46,294.89 (46,138), Pahang 40,092.42 and Negeri Sembilan 37,796.10 (both used to borrow the KL figure).

Silver used the 2024 price. The silver price feed fails, so the page fell back to RM 4.14 a gram; it now uses the year's price from the same list as gold (RM 5.51 for 2026).

Worn gold above 85 g could be counted as zakatable when no state allowance was passed in. The default allowance is now 800 g, the figure PPZ and Zakat2U use.

The KWSP & ASB investment calculator is rebuilt so the answer comes first. On phone it opens on how much you would have at age 55 (for example RM 2.03 juta, about RM 968 ribu in today's money), split into KWSP and ASB, and how much of it is money you put in versus dividends. Four rows below it (salary, monthly ASB, current balances and age) each open a sheet with one value to change.

Ask it questions instead of filling a 29-field form. "Bila saya capai RM 1 juta?", "Cukup untuk bersara?" and "Kalau saya simpan lebih dalam ASB?" open as cards. Voluntary KWSP, the rates, the yearly table and how it is worked out sit under "Lagi pilihan".

On desktop the form sits beside the answer, with four tabs: Ringkasan (your savings at each age, with your goal marked on the chart), Jadual (every year, plus a monthly CSV), Banding (lower and higher rates, more ASB, your saved plans) and Persaraan.

You choose how far ahead by age ("kira sampai umur 55") instead of a number of months.

The retirement check starts from your own projection, marked as an example, so you see an answer straight away instead of an empty form.

Plain Malay throughout. Words like "terakru", "nominal" and "payroll" are gone, and big amounts are rounded (RM 2.03 juta) instead of shown to the sen.

Sources, a glossary and common questions now sit on the page, like the other calculators.

Plans you saved on the old page still open. Settings the new page no longer shows, such as a range of rates or a fixed KWSP amount, are converted when the plan opens, and a message asks you to check the numbers.

More ASB shows what does not fit. When saving more would take your ASB past the RM300,000 limit, the comparison says how much could not go in, so you can put it somewhere else.

The admin Tax Rates page warns when the live rates disagree with the rates written in the code. It lists each field that differs, for example "reliefs.exemptionPerYearService: published 20000 → code 10000". A "Create draft with code values" button makes a draft with only those fields changed, ready to check and publish. A correction made in the code used to stay invisible in production until someone republished by hand; that is how the OKU relief increases went unapplied for months.

New tax-rate drafts default to RM10,000 per year of service for the compensation-for-loss-of-employment exemption. The form used RM20,000, which applied only to YA 2020 and 2021.

"Sync now" on the tax-rates admin page fetches real numbers again. All five sources had stopped working, so every sync copied the published rates. Tax brackets now come from LHDN's 2026 PCB specification, which the sync finds on LHDN's download page by itself. Relief limits come from PwC's YA 2026 table. The EPF dividend comes from the government's open-data service at data.gov.my.

When a source has nothing for the year, the sync says why (for example "LHDN has not published the 2027 PCB spec yet"). If no source returns anything, it stops without creating an empty draft.

SOCSO and EIS contribution tables are now entered by hand. PERKESO publishes them as scanned images that cannot be read automatically, so the sync marks them "manual".

Admin edit windows are wide again on desktop. The tax-rates draft editor and seven other admin pop-ups were stuck at a narrow 384px and cut off the form on the right. They now open at their intended width, for example 896px for the tax-rates editor.

"Sync now" on the tax-rates admin page works on the live site. It failed with a server error in production because the PDF reader could not start on Netlify. It now loads there the same way it does locally.

The flat-rate calculator is rebuilt so the answer comes first. It now opens on the real yearly rate in large type (for example 6.34%), with the 3.5% flat rate the dealer quoted shown small underneath. Below that are the monthly instalment, the total interest and the total you pay back, each shown once instead of up to six times.

Four rows you can tap to change: loan amount, tenure, flat rate and type of loan. Each opens a small sheet with quick picks, and the result updates as you type.

Questions you open only when you need them: "Berapa lebih mahal?" compares the flat rate with the same rate worked out on the reducing balance. "Kalau bayar habis awal?" estimates what you would pay to settle early. "Saya cuma tahu ansuran" works out the rates from your monthly instalment. The yearly schedule and the processing fee are under "Lagi pilihan".

The page is now fully in Malaysian Malay, with plain words in place of APR, IRR and N-ratio, and a glossary.

The same header, sheets, summary bar, sources list and FAQ as the home, car and salary calculators. The old desktop hero with its own mini-calculator, the side menu and the sticky bar are replaced by the summary bar.

Type of loan: old-style car hire purchase, new-style car hire purchase, bank personal loan, or koperasi/licensed moneylender. The type decides how early settlement is worked out and which legal limit the page checks.

Early settlement by loan type. Old-style hire purchase, bank personal loans and koperasi show the Rule of 78 rebate. For RM 80,000 over 9 years at 3.5%, settling after 3 years costs about RM 58,881.66. New-style hire purchase shows the outstanding balance plus interest so far, with no rebate.

Limit checks that never block you:

• new-style hire purchase above the 17% (5 years or less) or 16% (over 5 years) cap;
• a flat rate above the Moneylenders Act's 18% for licensed moneylenders;
• a softer note when only the real rate is above 18%.

Save scenarios and compare them by the real rate including fees.

The processing fee now counts. Before, the fee field changed nothing. An RM 500 fee on RM 80,000 now raises the real rate from 6.34% to 6.50%.

"I only know the instalment" no longer shows the wrong flat rate on desktop. It used to keep showing the default 3.5% instead of the rate worked out from your instalment.

Tenure in decimals (like 2.1 years) no longer breaks the page. Tenure is now whole years from 1 to 10.

The FAQ is corrected. It no longer says the law forces flat rates for car loans, and the early-settlement figures are right. For example, settling halfway through a 9-year loan returns RM 6,357.80 of the RM 25,200 interest, about half of the interest not yet charged, not 18%.

The salary calculator is rebuilt for phones, with the answer first. Your take-home pay is worked out as soon as the page opens. Below it are just four rows: gross salary, age, family and bonus. Tap one and a sheet opens for that value only.

Your payslip is laid out like a real one. KWSP, PERKESO, SIP and PCB each sit on their own line. Tap a line to see what it is and how it was worked out. The PCB sheet walks through the sum in four numbered steps using your own numbers.

Everything else is a question you open only when you need it. Three cards are always there: overtime, claims and zakat, and a pay rise. Four more sit under "Lagi pilihan": matching last month's payslip, employer settings, household income group, and the daily rate and budget tools.

Plainer words throughout. Terms like "YTD", "marginal" and "persentil" are replaced with everyday Malay, and each figure appears once instead of in several places.

On desktop, the form sits beside the result, with four tabs: Slip gaji, Caruman & PCB, Banding & simpan, and Alat & isi rumah.

Overtime is split by type of day: a normal working day (1.5×), a rest day (2×) and a public holiday (3×), each with its Employment Act section, and a note that only hours past your normal working hours count.

A tip when the PCB for later months could be off. If you pick a month after January and leave last month's totals empty, the page says the PCB may differ from your payslip and shows where to fill them in. The result still shows.

A summary bar on phones keeps your take-home pay in view after you scroll and lets you jump to any section.

PCB now changes with marital status and OKU status. Before, only the number of children changed the PCB. It now follows LHDN's three categories: single, married with a non-working spouse (spouse relief and spouse rebate added), and married with a working spouse. OKU relief for yourself, and for a non-working spouse, is added too. For example, at RM8,000 gross, PCB drops from RM514.20 to RM450.85 for a married person whose spouse does not work.

Closing a value sheet puts keyboard focus back on the row you opened it from on the salary, home loan and car loan pages. Before, focus jumped to the top of the page, so keyboard and screen reader users lost their place.

The "+1 tanggungan" and "KWSP +1%" quick buttons in the phone comparison. The comparison now asks for one thing, your new salary, with +5%, +10% and +20% shortcuts.

The separate daily-earnings, savings and pay-rise mini calculators. They now live inside the tools and pay-rise questions.

Automatic checks now catch cut-off and overlapping text before a release. The homepage, home loan and car loan pages are checked at every screen size for text that spills out of its box, is clipped, overlaps other text, or for a placeholder that does not fit its field. These checks also now run whenever the shared calculator parts, the header and footer, or the site-wide styles change.

The "Gaji bersih" row in the homepage salary card is no longer cut off on phones. The new checks found it on their first run.

Nothing is cut off or overlapping on the homepage, home loan and car loan pages, from small phones to wide screens.

• On 320px phones, "/ bulan" next to the monthly payment no longer falls off the card.
• Question cards no longer squeeze their question into one word per line on small phones; the amount moves under the text instead.
• The comparison table fits small phones without scrolling sideways, and car loan comparison values stay inside their cells on wide screens.

Empty optional fields show "—" instead of a cut-off "Belum diisi". Summary rows still say "Belum diisi". The refinance tool no longer shows a grey "0" that looked like a real value.

The home loan cost rows read on one line. The edit buttons now say "Ubah", so labels like "Insurans & cukai hartanah" are no longer squeezed onto four lines.

Homepage: the demo's disclaimer no longer covers the chart's year labels on phones, the search box fits on one line, the "how we calculate" chart labels no longer overlap or hide behind the bars, and the FAQ + icon sits inside its button.

Paired fields in the car loan calculator no longer overlap. Long labels such as "Diskaun ihsan yang bank sahkan" ran into the field beside them on laptops and phones. Labels now wrap onto a second line, and the two boxes in a pair stay level.

Home and car loan results fit their column on small laptop screens. Between about 980 and 1150px wide, the result panels split into two cramped columns and some values spilled out. They now stay in one column until there is room for two, and the refinance inputs, comparison values and comparison table labels fit their boxes.

The site now reads as Malaysian Malay throughout. Words and phrases that sounded Indonesian are replaced, for example "Parkir" is now "Letak kereta", the section menu says "Kira" instead of "Hitung", "federal" is "Persekutuan", and comparisons use "daripada". This covers the calculators and several blog posts.

The home and car loan result card no longer overlaps itself on small laptop screens. Between about 980 and 1200px wide, the monthly instalment ran under the cost bar. The bar now sits below the number at those sizes. The instalment and the three totals under it also shrink a little when the card is narrow, so long amounts fit their boxes.

The result tabs scroll sideways when the result column is narrow, instead of pushing the whole page wider.

Calculator pages no longer scroll sideways on tablets once the result shortcut appears in the header.

In Safari, a field you tab into on the home and car loan pages is no longer hidden under the top bar or just below the screen edge.

The Celik Finance logo shows again at the top of the admin sidebar. It had appeared as a broken image.

The homepage, home loan and car loan pages now share one set of type sizes, spacing, corners, shadows and animation timings. Text and gaps line up the same way across all three pages, and a few odd one-off sizes are gone.

The "how we calculate" panel on the homepage is easier to read. Its faintest text is now clearly readable against the dark background.

Your chosen colour (green, blue or amber) now shows from the first moment a page opens. Before, pages briefly flashed green before switching to your choice.

Admin buttons, badges and menu highlights are filled in again. Some admin buttons rendered without their background colour.

The car loan calculator is rebuilt for phones: the answer comes first. Your monthly instalment is already worked out at the top, with the flat rate and the matching yearly rate you actually pay side by side. Below it are four rows: price, deposit, rate and tenure, plus your vehicle profile. Tap one and a sheet opens for that value only.

Pick a tenure by seeing what it costs. The tenure sheet lists 5, 7 and 9 years with the monthly instalment and the total interest charge for each.

Everything else is a question you open only if you need it. Six cards cover whether your salary can carry the loan, the real monthly cost including fuel, parking, toll, service and insurance, the cash you need on collection day, the true rate behind the flat rate, selling or settling early, and comparing tenures or another bank's offer.

On desktop, the form sits beside the result card, with four tabs below: affordability, cost of ownership, compare options, and schedule and early sale.

The car loan page now shows a Malay breadcrumb with when the figures were last checked and how many official sources back them, and a sources list that explains how each figure is worked out and where the limits are.

A sale-value line on the settlement chart shows your car's estimated value next to the amount still owed, so you can see when selling would cover the loan.

A summary bar on phones keeps your instalment in view after you scroll past it.

The car loan result now warns when an offer breaks the hire-purchase rules. A note appears if a flat rate is above 10% a year, if a reducing-balance rate is above 17% (up to 5 years) or 16% (over 5 years), or if the deposit is under 10% of the cash price. The note never blocks your numbers, and it names the law it comes from.

RM10 stamp duty is no longer added when there is no loan, for example when the deposit covers the full price.

A bank's settlement quote you typed is no longer wiped while the deposit field holds invalid text.

The tenure list no longer shows RM 0 rows when the price, deposit or rate is invalid.

A petrol car's running cost no longer goes blank when the electric charging-loss field is set to 100%.

Settling a reducing-balance loan in the first month no longer shows an interest rebate that does not exist.

The car loan page no longer scrolls sideways on tablets around 768px wide.

The home loan calculator is rebuilt for phones: the answer comes first. Open it and your monthly instalment is already worked out. Below it are just four rows: price, deposit, rate and tenure. Tap one and a sheet opens for that value only, with the number keypad, a slider, quick picks and the new instalment updating as you go.

Everything else is a question you open only if you need it. "Mampu ke dengan gaji saya?" asks for one number, your take-home pay, and shows your debt ratio and how to bring it down. Other questions cover cash needed before you get the keys, total interest, what happens if the rate goes up, saved scenarios, and refinancing an existing loan. Debts, living costs, first-time buyer and MRTA are tucked away until you want them.

Phone and desktop now offer the same tools. Before, the phone and desktop versions had different features. Both now have the debt-ratio check with ways to lower it, the KWSP plan, the yearly schedule, scenario comparison, cash-flow projection and refinancing.

On desktop, the result card shows more at a glance. It now has a bar splitting your total repayment into principal and interest, a line telling you how much you pay back for every RM1 borrowed, and the three key totals side by side.

Cost lines show where each figure comes from. Stamp duty, legal fees and valuation are tagged with their source (Akta Setem 1949, SRO 2023, LPPEH), and estimates are clearly marked ANGGARAN.

The header, FAQ, breadcrumb, sources and related calculators have a cleaner look on every calculator. The breadcrumb is now in Malay on the home loan page and shows when the figures were last checked and how many official sources back them.

Name your scenarios when you save them, then compare saved scenarios side by side in one table, with the cheapest option in each row highlighted.

A summary bar on phones keeps your instalment in view after you scroll past it, shows which part of the page you are on, and lets you jump to any section.

A balance chart above the payment schedule marks the year your payments start going mostly to principal instead of interest.

Typing an invalid deposit and then tapping a quick-pick percentage now restores the result instead of leaving it blank.

Amounts the form marks as invalid are no longer used in the sums. An RM amount with more than two decimal places (for example 6500.123) showed an error but still fed the debt ratio, budget, KWSP and refinancing figures. Those figures now wait until the amount is corrected. Amounts written without a leading zero, like .5, now work everywhere instead of leaving the result blank.

Indonesian wording removed. A few labels used Indonesian words ("pelunasan", "terbaru"). They now use Malaysian Malay, and an automatic check stops Indonesian words from coming back.

A new homepage. It opens with a home loan estimate you can change on the spot: move the price, deposit, tenure or rate and the monthly instalment, total interest, total paid, the salary you'd need and the balance chart update as you type. One tap takes the same numbers into the full home loan calculator.

Every calculator now shows a real example on the homepage. The sample figures on each card (a car instalment, a flat-rate loan's true yearly rate, the tax brackets, the EPF contribution) are worked out by the calculators themselves from the current rates, not typed in by hand.

"How the numbers are worked out" section. A panel on the homepage splits each year of the loan into principal and interest, and explains how every rate in our calculators is labelled: live from Bank Negara, a statutory rate with its review date, or clearly marked as not yet sourced.

On phones, your estimate stays at the bottom of the screen while you scroll, with a button straight into the calculator.

Pick the site's accent colour from the main header on the homepage, blog, videos and other non-calculator pages.

Today's Bank Negara rates now sit right under the opening estimate, alongside the EPF and ASNB dividends.

The header and footer have a cleaner look, with a blurred bar that stays readable over the page, and the footer now shows the app version and who built it.

Video guides, the giveaway, common questions and the "request a calculator" form keep their place on the homepage in the new style.

The homepage plays a short demo of the estimate until you touch it. It pauses when you scroll away, and never plays if your device is set to reduce motion.

Every calculator now lists the guides written for it. A "Panduan berkaitan" section near the bottom of each of the nine calculators links to every article about that calculator's topic, in Malay and English. The home loan calculator, for example, now points to seven guides covering stamp duty, DSR, MRTA, EPF withdrawal and affordability.

Four guides are now available in Bahasa Malaysia: stamp duty (duti setem rumah 2026), DSR (nisbah khidmat hutang), Rule of 78 early settlement for hire purchase, and wedding cost (kos kahwin 2026). They are full translations of the English guides, with every figure and worked example kept the same.

Guides now link to each other where the topics meet. The DSR guide links to the stamp duty guide, the payslip guide links to the EPF rates guide, and so on, so the next question is one tap away.

Search engines now know which guides are translations of each other. Each English guide and its Malay version point at one another, and Malay guides are marked as Malay instead of English.

"On this page" links in the guides now jump to the right section. More than half of them pointed at section names that didn't exist, so clicking them did nothing.

The video guides on calculator pages now load instantly. They used to be fetched live after the page opened, which meant a 5–10 second wait on the first visit while a server on the other side of the world woke up and answered. The videos are now built straight into the page and served from the edge, so they appear the moment the page does. An admin edit to the video list still shows up automatically — no waiting, no manual refresh.

Breadcrumb navigation on every calculator. Each calculator now shows a Home › Calculators › [name] trail near the top, so you always know where you are and can step back in one tap. Search engines read the same trail, which helps the pages appear with a clearer path in results.

Related-guide links on the zakat and flat-rate calculators. The zakat calculator now points to the Selangor income-zakat guide, and the flat-rate calculator to the personal-loan early-settlement guide, so the full explanation is one tap from the tool.

Clearer search-engine descriptions across the calculators. The income tax calculator now has its own title and description instead of borrowing the homepage's, and the zakat and flat-rate calculators now describe themselves to search engines in full. Several guides also now link to each other, so the newer ones are easier to find.

A guide to settling a personal loan early. It separates the three things people confuse: the fee, the settlement amount, and the interest you actually save. Covers Maybank dropping its fee in March 2025, why the calculation method matters more than the fee, and the Bank Negara rules that ban flat rate and Rule of 78 for personal financing from 1 January 2027.

A Malay guide to calculating zakat pendapatan in Selangor, with the current nisab, the had kifayah figures, a worked example, and answers to the questions people actually ask. It explains the arithmetic and sends you to Lembaga Zakat Selangor to confirm and pay.

Links can now open the zakat calculator with a state already chosen, so a guide can hand you straight to the right setup.

Selangor's nisab was a year out of date. The calculator used RM 35,449, Lembaga Zakat Selangor's rate for the second half of 2025. The current rate for July-December 2026 is RM 38,748. Since nisab is the threshold that decides whether you owe zakat at all, the old figure could tell a Selangor payer they were exempt when they were not.

Every state now shows which rate it is using, and from when. The nisab figure carries its authority and period underneath, so you can see at a glance how current it is. Pahang, Perlis and Negeri Sembilan do not publish a static rate, and the calculator now says plainly that it is showing a reference figure from another authority and that you should confirm with your own state.

The zakat calculator now tells you when a deduction figure is not your state's own. Only Selangor publishes a full had kifayah table, so 15 of 16 states were quietly shown Selangor's figures as though they were local. The calculator now says so and points you to your own state zakat centre. The numbers themselves are unchanged.

Kedah's zakat authority was named incorrectly in both nisab guides. It is Lembaga Zakat Negeri Kedah (LZNK); MUIS is Singapore's council.

The green and amber accent colours were too light to read. Links, figures and labels in the accent colour fell below the accessibility standard against the page, and white text on accent buttons did too. Both are slightly deeper now — the same colours, just readable. Blue already passed and is unchanged.

Cleared out unused code. 75 unused imports, variables and one dead tax function removed across 51 files. Nothing you see or use changes; the codebase is just smaller and the code-quality backlog dropped from 154 issues to 79.

Two admin panels no longer recompute the clock mid-render, which could make "recently added" counts unstable.

Page-view tracking rested on a fragile ordering. The function that records every page view was written below the code that calls it, so it worked only by accident of timing. Reordered — same data recorded, nothing changed for you.

Code quality checks run again. The linter had been silently unusable since a framework upgrade removed the command it relied on, so nothing had been checked for months. It now runs and reports 157 existing issues as a baseline to work down from.

Removed an unused piece of tracking code. It recorded an event nothing reads any more.

Four "See all" links now load instantly. The links from the calculators to the video page were reloading the whole site instead of switching pages.

"Read the full guide" on the home loan calculator led to a dead page. The link pointed at an address that has never existed on the site, so anyone who clicked it got a "page not found". Google had it recorded as a broken link since June. It now opens the four home loan articles.

The admin dashboard's calculator funnel was measuring events that mostly never fired. The "interacted" stage counted an event only the salary calculator sends, and the "reached a result" stage counted one only three of the nine send. So for six to eight calculators the dashboard showed people arriving and then apparently doing nothing — a drop-off that was an instrumentation gap, not real behaviour, and indistinguishable from the real thing. All three funnel stages now read events that every one of the nine calculators actually sends, verified in the browser.

Errors from a failed background request went unrecorded. Only thrown errors were caught; a promise that rejected with nobody handling it — the usual shape of a failed fetch — was invisible. Those are now recorded too, and tagged so they can be told apart from ordinary errors.

The wedding calculator counted every visitor as having finished a calculation. It recorded a "reached a result" the instant the page opened, before anyone touched anything, because the default guest count already produces a total. So wedding looked like the best-converting calculator on the site by a wide margin, permanently, and the figure it inflated is the one used to compare the nine against each other.

Three of the seven zakat types recorded nothing when you got your result. Fidyah, KWSP and perniagaan were missing the tracking the other four had, so zakat looked like people abandoned it more than they do.

Zakat counted the same person again every time they switched type. Flicking between the seven zakat tabs re-recorded "reached a result" for each type you returned to, so zakat's completion looked better the more someone browsed. It now records once per type.

Typing in a zakat form and switching tab straight away recorded nothing. The half-second delay that stops every keystroke being recorded meant a quick tab switch threw the entry away, so the person showed up as having reached a result without ever having typed. The pending entry is now kept.

The dashboard said "Submissions — Pressed calculate". None of the calculators has a calculate button; they all update as you type. The label now says what it counts.

The stack trace attached to a recorded error was useless. Analytics silently cuts any value at 100 characters, so what arrived was the first line of the trace, which just repeats the error message, and no location at all. Errors now send the first frame of the trace, so the 100 characters carry where it happened.

On a phone, the calculators now appear straight away. You used to land on the homepage and see no calculator at all until you scrolled — the first one sat just past a full screen down. The opening screen has been cut back to the headline and one line of description, and three calculators now sit above the fold. The affordability sliders are still there, moved below the list.

The calculator cards look tappable now. They were always links, but nothing said so: no arrow, no chevron, and nothing happened visually when you pressed one. Each row now carries a chevron and responds to a tap, and the larger cards carry an arrow that leans in when you hover.

Secondary text was too faint to read comfortably, on every page. Field labels, units, source lines, timestamps, placeholder text and the small print under each figure all share one colour, and in dark mode it fell below the accessibility threshold on every surface it sat on — worst at 3.91 where 4.5 is the standard. Light mode missed it on the sunken panels too. Both are now above the line, at the smallest change that gets there: the text is still quieter than the numbers it sits beside, just no longer straining.

The "savings vs luxury" row in the menu comparison never showed a number. It compared every option against the cheapest one instead of the most expensive, so all three cells read as a dash, for every wedding anyone could enter. It now reads what a cheaper menu actually saves you — on the default figures, RM 32,670 and RM 19,602.

Two of the three lines on the "cost vs guest count" chart were effectively invisible. They were told apart only by how faint they were: the Luxury line sat at a contrast of 1.34 against the panel behind it, and 1.34 against the Mid-range line, so neither the line nor the legend could be read. The three bands are now solid, dashed and dotted, all at full strength.

"Add cost" appeared to do nothing. The new row was added inside a section that was closed, so the only thing that changed on screen was a counter. The section now opens when you add a cost.

Adding two costs broke the breakdown list. Both are created with the same name, and the list used the name to tell rows apart, so the two rows fought over one slot and were rebuilt on every keystroke.

The chart of your savings kept its old colours after you switched the theme or picked a different accent — it only caught up on a page reload. Its axis and legend text was also below the readable threshold in dark mode, at a contrast of 3.45.

The two smallest cost bars rendered as empty tracks. Venue and PA system showed a bar you could not see.

The footer appears on phones. Wedding was the last of all nine calculators carrying this — a claim these notes made in error three times before, on the income tax, zakat and student loan releases.

The page used seven colour families at once. It now uses one, at three weights. The rose stays as the wedding icon, which is how each calculator is identified.

On a phone the answer now comes before the form. You no longer scroll past every field — including nine empty "additional cost" boxes — to reach what your wedding costs.

Those nine boxes fold into a single row showing how many you have filled and what they add up to. Nothing is counted until you add something.

The cost breakdown is a ranked bar chart rather than six identically-weighted rows, so catering being 71% of the bill is the first thing you see.

The chart of your balance over time was almost invisible in dark mode. The line tracing what you owe sat at a contrast of 1.24 against the panel behind it, while the faint background grid — drawn in solid white — was thirteen times easier to see than the figure it was there to support. The line is now the clearest thing on the chart and the grid has receded behind it.

The chart kept its old colours after you switched the theme. Changing light/dark, or picking a different accent in Tweaks, left the chart on the previous palette until you reloaded the page.

With five loans or more, two of them drew the same line. The chart cycled through four line patterns, so loan 5 was indistinguishable from loan 1. There are now ten, one per loan the calculator allows.

The "payment too low" warning could be hidden. It sits above the results now, so collapsing a section to reach the comparison cannot take away the one message telling you your balance is growing rather than shrinking.

Choosing a strategy from the chart was not recorded — only the copy of the same control above it was, so the comparison this calculator exists for was under-counted.

The error box on the loan form was near-white in dark mode, and six pieces of Malay text were left in an otherwise English page: four form errors, and the chart's own "Jumlah Baki" and "Pinjaman 1" labels.

The page used eleven colour families at once. It now uses one, at two weights. Loans are told apart on the chart by line pattern instead of by hue, which also survives being printed or read by someone colour-blind.

The three lender panels — PTPTN, MARA, TKWBNS — were three unrelated colours; they are now one colour at three weights.

The "Keputusan" sidebar link did nothing on six of the seven zakat types. Only zakat pendapatan had the section it pointed at. It now works on every type.

Below the nisab threshold, the workings showed impossible arithmetic — "2.5% × RM 30,000" beside an answer of RM 0, in three places, while the banner above correctly said no zakat was due. It now states the nisab you fell short of instead.

The "Cara Kira" sidebar link pointed at nothing at all. It had been written with no matching section.

The footer appears on phones. Zakat was the last of all nine calculators carrying that fault.

The page used two greens that were almost the same. The zakat teal sat 20° from the site accent — close enough to read as a mistake rather than a choice — and appeared 60 times. The body now uses one colour; the teal remains as the calculator's icon in the header.

The nisab check moved above the amount. The first question is whether zakat is owed at all, not how much.

The results fold into sections instead of one long column.

On the student loan page, three lender badges used three unrelated colours; they are now one colour at three weights.

The tax bracket chart vanished for lower incomes. If your chargeable income came to less than RM 5,000 — which an ordinary salary plus reliefs easily reaches — the chart showed an empty bar and told you to enter your income, even though you had. It now draws correctly at every income.

Every bracket table started with "RM 5,000 – RM 5,000". A zero-width range credited with RM 5,000 of income, on the first row everyone reads. It now reads RM 0 – RM 5,000, in both the chart and the table beside it.

On a phone, "View details" could do nothing. If you collapsed the results section first, the button silently failed. It now opens the section and takes you there.

Several figures were hard to read in light mode — the amount on the pay-or-refund panel, two relief subtotals, and the "tax settled" card. These were introduced by the colour change and are now corrected; dark mode was already fine.

The filing date in the ticker was unreadable in dark mode at a contrast ratio of 2.45.

The page used twelve different colour families at once. It now uses one. The bracket chart shows progression by weight instead of by colour: the bands you have filled are mid-strength, the band you are actually in is solid.

The results fold into three sections — what you owe, how the bands add up, and PCB — instead of four panels open at once.

The page now has a working sidebar. The links were written months ago but nothing ever rendered them.

The footer appears on phones. This was the last of all nine calculators carrying that fault.

The form fits a narrow screen. Its side-by-side fields now stack on the smallest phones.

Scrolling from the sidebar is smooth again across every calculator that shares it.

Two switches in the flat-rate calculator did nothing at all. "Use true IRR instead of N-ratio approx" and "Apply Rule of 78 rebate" were built as plain labels with no working control behind them — clicking either one moved nothing. The IRR one matters: for the example loan the two methods give 6.34% and 6.94%, and you could not reach the second figure.

You could not type a decimal into the rate fields. Typing 3. was immediately rewritten to 3, so 3.5 was impossible to enter — not slow, impossible. The hero fields also silently refused an empty box or a leading zero, so you could not clear a field and start again. All eight number fields on the page now keep what you type.

The regulatory banner had been wrong since 1 June. It read "From 1 June 2026 (today)" every single day after the cutover, and described a law already in force entirely in the future tense. It is now a plain statement of what changed, and — more usefully — what this calculator still applies to: hire-purchase agreements signed before the cutover, plus personal loans and koperasi financing, which are not under the HP Act.

The early-settlement rebate was promised but never shown. The page told you to turn on the Rule of 78 toggle "to see the rebate curve"; there was no curve. There is now a real table: settle after 12, 24, 36 months and so on, with the Rule of 78 rebate beside the straight-line refund, so you can see that settling halfway does not refund half the interest.

Eight figures were unreadable in dark mode, including the three field labels in the header block, which sat at a contrast ratio of 1.8.

A short loan showed an all-zero row in the settlement table, and a one-year loan showed nothing but that row.

The page used six different colour families at once. It now uses one. Colour means something specific: the strong shade is what the flat rate charges you, the washed shade is the same loan on reducing balance, and everything else is plain ink. It also follows the accent picker properly — previously the comparison bar stayed green even when you chose blue or amber.

The results fold into three sections — what you pay, the gap, and the maths — instead of four panels open at once. The sidebar links open the right section on their own.

The footer appears on phones. It had been set to desktop-only.

Your installment and real APR stay on screen while you scroll, in a bar that appears once you pass the top card.

The header block is smaller — 627px down to 477px — so the first result sits closer to the top.

"Copy summary" tells you whether it worked. It used to fail silently when a browser blocked clipboard access.

The tenure field is capped at 35 years. A larger number was accepted and made the page rebuild a projection of that many years on every keystroke.

The investment calculator was using out-of-date dividend rates, so every projection was too low. It assumed 5.75% for EPF — a figure that matches no year KWSP has ever declared — and 5.25 sen for ASB. The real rates are 6.15% (EPF, declared February 2026) and 5.75 sen (ASB, declared December 2025). On the default example this changes the projected nest egg from RM 2.43M to RM 2.65M, and the monthly retirement income from RM 4,944 to RM 6,867. If you used this page before today, it understated what you would have by about 39%.

The "Live · 5.75% EPF" badge was not live. It was fixed text with a blinking dot next to it. You could change the EPF rate in the form and the badge would not move — and the same card showed a different rate four lines below it. The badge is gone, replaced by three plain notes that say where each figure comes from and when it was declared. Dividends are announced once a year, so the page now says "declared", not "live".

"Save scenario" did not save anything. It showed a success message and stored nothing. Scenarios are now kept in your browser, up to ten of them, and the counter in the header only goes up when the save actually worked.

The page disagreed with itself about how long the projection ran, showing both 25 and 26 years for the same result. It now says "26 years of contributions", which is what it actually simulates.

Several figures were unreadable in dark mode — the dividends-earned total and the growth percentage were dark green on a near-black card.

A dead "Sources" link in the sidebar. It pointed at a section that had no anchor, so clicking it did nothing.

On the flat-rate page, the interest portion of the comparison bar lost its label in dark mode — white text on a colour that had become too pale. Fixed while correcting the shared colours these pages share.

The investment results fold into three sections — the verdict, the path, and where your money sits — instead of six panels open at once. The verdict is open when you arrive, and the sidebar links open the right section on their own.

Your nest egg stays on screen while you scroll, in a summary bar that appears once you pass the top card and sits below the header so the menu stays reachable.

The footer appears on phones. It had been set to desktop-only.

The investment form fits a narrow screen. Its side-by-side fields now stack below the smallest breakpoint instead of being squeezed.

The header block is smaller — 594px down to 474px — so the first result is closer to the top on a laptop.

Every rate on the page now comes from one place. The header, the assumptions panel and the sources table all read the same figures, so they cannot drift apart when the rates are next updated.

The car loan results fold into three sections — Verdict, Costs, and Explore — instead of nine panels all open at once. Verdict is open when you arrive. This was the longest page on the site; on a phone it is now about half the length.

Your instalment stays on screen while you scroll. A summary bar appears once you pass the verdict, sitting below the header rather than covering it so the menu stays reachable.

The car page fits a phone screen. The header block was 724px on an 844px screen, so you scrolled before reaching the price field. It is now under a third of that.

The footer appears on phones. It had been set to desktop-only.

The rate chart in the header was wrong, not just decorative. It drew three fixed lines that crossed each other, so a cheaper interest rate appeared more expensive than a dearer one — while the labels beside it said the opposite. It is replaced by a bar for each rate, sized from your actual instalment, so a cheaper rate is always visibly shorter.

Three figures were unreadable in dark mode, including the "BNM minimum 10% down payment" note and a saved-scenario amount.

Saved scenarios could silently fail. If your browser blocks local storage — private browsing, for instance — deleting or clearing a scenario appeared to work but came back on reload. It now tells you instead.

Removed a dead "Export PDF" button that only ever said "coming soon".

The home loan results fold into three sections — Verdict, Costs, and Explore — instead of five panels all open at once. Verdict is open when you arrive. Nothing was removed; every table and comparison is still there.

Your instalment stays on screen on a phone. The summary bar that desktop already had now works on mobile too, so the figure doesn't vanish the moment you adjust something. It sits below the header rather than covering it, so the menu stays reachable.

The home loan page fits a phone screen. The header block was 647px on an 844px screen, so you scrolled before reaching the price field. It's now about a fifth of that, and the field is visible on load.

The footer appears on phones. It had been set to desktop-only, on the stated grounds that the sticky payment bar took its place — but that bar never rendered on mobile at all.

Two figures were invisible in dark mode. The stamp duty saving and the refinance comparison were pale text on a near-white panel — a contrast ratio of 1.01, which is effectively unreadable. The interest rate you type into the refinance box had the same problem. All now render normally in both themes.

The EPF withdrawal note had the same fault and is fixed with it.

Removed 160 lines of unused code, including a projection helper that nothing referenced — the live calculator has its own copy of that math.

The salary results now fold into three sections — Verdict, Deep dive, and Explore — instead of eight panels all open at once. Verdict is open when you arrive; the other two open when you want them. On a phone the page is about 40% shorter as a result. Nothing was removed: every table, comparison and breakdown is still there.

Your net pay stays on screen while you adjust things on mobile. Previously the figure scrolled away the moment you touched an input, so you were changing numbers blind.

The salary page fits a phone screen now. The header block was taller than the screen itself, so you had to scroll before you could type your salary. It is now about a fifth of that height, and the salary field is visible the moment the page loads.

The footer appears on phones. It had been set to desktop-only, so mobile visitors had no links to anything at the bottom of the page.

The chart in the salary header was not real. It drew a fixed line and placed the "you" marker in the same spot no matter what you earned — so at RM 20,000 the label read RM 20k while the dot sat in the middle of a RM 5k–12k scale. It is replaced with a bar showing where your money actually goes, sized from your own figures.

"Save scenario" said it saved and did not. The button showed a success message but stored nothing, while a working saved-scenarios list sat further down the same page. It now saves to that list and shows the count. If your browser blocks local storage — private browsing, for instance — it now tells you instead of claiming success.

Saved scenarios could be silently destroyed. Saving from the header and then from the list below could wipe earlier entries, because the two paths kept separate copies of the list. There is now a single list, so they cannot disagree.

The EPF percentage in the header ignored your choice. It always read 11% even when you selected 9% or 13%, directly above the correctly-calculated amount.

The salary page contradicted itself about the tax year, showing "LHDN PCB 2024" and "KWSP · 2025 rates" while the bracket table on the same page showed YA2026. All three now come from the same source.

A rates note was unreadable in dark mode — pale grey text on a near-white panel in the EPF section.

The rate ticker used the wrong colours, which also means it is fixed on all nine calculator pages, not just this one.

"SKBBK · 0.6%" was mislabelled. The amount was right, but SKBBK is a banded contribution, not a flat percentage.

Removed a dead "Export PDF" button from the salary header that only ever showed "coming soon".

The homepage has a new typeface and a new voice: headlines, labels, card titles and body text now use Plus Jakarta Sans, and every figure on the site — currency, rates, counts, amortisation tables — uses Archivo with tabular figures so columns stay aligned. Genuine monospace (code, keycaps) keeps JetBrains Mono. This is site-wide, not just the homepage. Inter, Geist Mono and Space Grotesk are no longer loaded at all.

Calculators are now ordered by what people actually use: the homepage grid reads real page-view data and puts the most-used calculator in the featured slot. Previously "Most used" was hardcoded to Home Loan, which was wrong — Salary is used roughly eight times more. The order updates itself as usage changes.

Every calculator card now states the question it answers instead of showing a bare number, and carries a marker showing where its figure came from: live data, an official annual declaration, or unsourced.

The homepage works properly on a phone: the calculator grid is now built from real mobile breakpoints rather than a desktop layout squeezed down, and the affordability widget collapses to a single figure with the sliders behind an "Adjust" control, so the calculators are reachable in one scroll.

Zakat now uses your state's nisab, not Selangor's: nisab is published per state and ranges from RM 29,741 (Melaka) to RM 54,256 (Johor). The calculator was seeding one value at page load and never updating it when you changed state, so a Johor user could be told they owed zakat at a threshold RM 18,000 below their real one. Nisab and uruf emas now both follow the state you select, everywhere on the page including the rate ticker.

Removed figures the site could not stand behind: eight of the nine calculator cards showed a 30-day trend line built from invented numbers, the rate ticker showed movement figures ("↘ −0.05 30d") that were never calculated from anything, and the Zakat card published a nisab RM 9,201 below the app's own verified value. All removed. The Home Loan trend line stays — it is the only one drawn from real BNM data.

Buttons on coloured backgrounds now use white text: the main "Check affordability" button rendered near-black text on its blue background in light mode. A custom type style was silently overriding the button's own white-text setting, and dark mode hid it because the two colours happen to coincide there. All filled buttons now read white; white buttons keep their dark text.

Admin analytics no longer reports impossible percentages: the conversion funnel divided event counts by a visitor count, producing figures like "620.7% view → submit" and per-calculator completion rates of 1425%. Every funnel stage now counts distinct users, so the rates mean what they say.

Home Loan Calculator fully redesigned — single clean hero with your monthly payment up front

Live BNM rate prefill — your interest rate field auto-fills with today's average housing rate

First-time buyer toggle — see your stamp duty exemption (RM 11k+ savings) instantly

EPF Akaun Sejahtera withdrawal banner — now uses the real KWSP formula instead of an outdated RM 60k flat cap

"Can I afford it?" — DSR check with colour-coded zone bar and live fix-suggestion chips ("Drop price to X / Stretch tenure / Increase down payment")

Compare scenarios side-by-side — see what happens if rates go up 1% or you stretch the tenure

Sources & Assumptions panel at the bottom — every Malaysian financial figure on the page links out to its authoritative source (LHDN, KWSP, BNM, Malaysian Bar Council)

Islamic financing & Use EPF Acc 2 toggles in the form

Stamp duty now Budget 2026 accurate — full waiver for first-home buyers ≤ RM 500k until 31 Dec 2027

Legal fees follow the Solicitors' Remuneration Order 2023 percentage scale

Valuation fees follow the official BOVAEP scale of fees

Mobile header simplified — overflow menu keeps every action one tap away without cramping

FAQ + Watch sections aligned to the same width as the Quick reference strip

Save scenario / Worth refinancing buttons stay white in both light and dark mode

Glossary modal redesigned to match the mockup — cleaner tabs, simpler term layout

Video grid no longer shows a duplicate "Curated from Malaysian creators" heading

Sticky results bar hidden on mobile (the bottom payment bar handles it)

Page footer hidden on mobile to give more breathing room for the sticky payment bar

New mobile homepage — looks and feels like a real iPhone app, not a shrunken website

Native bottom tab bar — Home / Tools / Learn / More tabs always within thumb's reach

Hero greets you by name with a live "Boleh aku afford ke tak?" calculator — sliders update the monthly installment instantly using today's BNM rate

Calculator section now swipes side-to-side with filter chips (All, Loans, Money, Tax, Islamic, Life)

Watch section swipes side-to-side too — videos no longer stack vertically on mobile

Mobile homepage is now its own design — not just a smaller desktop view

Home loan calculator redesign — results now update instantly as you type, no need to click "Calculate"

Sliders for house price and loan tenure — drag to quickly explore different scenarios

Quick-select buttons for down payment (10%, 20%, 30%) right in the form

Affordability gauge — a visual meter showing your Debt Service Ratio at a glance

Hover over financial terms like DSR, Stamp Duty, and MRTA to see simple definitions

Sticky bar shows your monthly payment as you scroll through results

Calculator results now show in a cleaner two-column layout on desktop — form on the left, results on the right

Monthly payment is now the clear hero number, with upfront costs and total interest neatly below

On mobile, detailed sections (amortization, projection, refinance) now open as slide-up panels instead of long inline sections

FAQ section is more compact — shows 4 questions with a "Show more" option

Home loan guide condensed into a quick-reference card with key facts

Dark mode colours are now consistent across all calculator sections

Fixed a crash that could happen when clearing the house price field

Native mobile home screen redesign — calculator grid, quick estimate widget, and cleaner navigation

Improved dark mode — cards and surfaces now blend naturally with the page theme

Calculator buttons are now larger and easier to tap on all pages

Back button no longer shows a distracting hover box

Maintenance release with behind-the-scenes platform improvements.

No major user-facing feature changes in this version.

Outdated internal components were cleaned up to improve overall stability.

Maintenance release with behind-the-scenes improvements.

No major user-facing feature changes in this version.

New Blog section with practical money guides for Malaysians.

New articles to help with home buying planning, stamp duty basics, and EPF downpayment topics.

Easier access to blog content from the main navigation and footer.

Better page information for sharing links on social apps.

Improved language and regional support for Malaysian users.

Website links are now fully aligned to celikfinance.com.

Content wording and year labels refreshed for 2026.

Cleaned up outdated page details to improve overall quality and consistency.

Quick home loan estimate widget on the homepage.

Featured calculator cards with examples so it is easier to pick the right tool.

Improved mobile browsing with a cleaner and simpler layout.

Homepage redesigned to make calculators easier to discover.

Light theme set as default for clearer reading.

Updated app icon for a fresher and more consistent look.

New Watch and Learn video hub with curated Malaysian finance videos.

Dedicated video pages with a cleaner viewing experience.

Video sections inside calculators are now easier to browse.

Wedding Budget Calculator to plan event costs with more confidence.

Student Loan Calculator to estimate common repayment options.

Calculator directory refreshed for easier browsing.

Income Tax Calculator for quick Malaysia tax estimates.

Option to install Celik Finance on phone or desktop for faster access.

Navigation improved for faster access to calculators and settings.

Fixed issues where some action buttons did not respond as expected.

Improved app install button behavior.