Profin Elite

Debt Consolidation Calculator

Add your current debts. See what changes when you consolidate into one loan.

Step 1
Your Current Debts
RM
Add up all credit cards, personal loans, koperasi, and hire purchase balances.
RM
How much you pay each month across all debts combined.
Step 2
Your New Consolidated Loan
RM
Auto-filled from your total debt above
Usually matches your total debt. Adjust if needed.
% p.a.
Enter the rate quoted by your bank (% p.a.). For Islamic financing, enter the profit rate. This calculator uses the flat rate method.
Your Results
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Fill in the details above to see your results.
Important Disclaimer

This calculator is provided by Profin Elite Group Sdn Bhd (SSM Registration No. 202501060453 / 1661859-M) for general informational and educational purposes only. It does not constitute financial advice, a loan offer, or a guarantee of any loan terms.

All calculations are estimates based on the Malaysian flat rate method. Actual rates disclosed by banks may differ, per BNM's Policy Document on Product Transparency and Disclosure.

Interest rates, eligibility criteria, maximum financing amounts, and loan terms shown are based on publicly available information at the time of publication and are subject to change without notice. Actual rates and approval depend on individual credit profile, employment type, income, and the bank's assessment. Maximum personal financing tenure is 10 years per BNM guidelines on Responsible Financing.

Profin Elite Group is a financial advisory firm registered with SSM (Suruhanjaya Syarikat Malaysia). We are not licensed by Bank Negara Malaysia. We do not provide loans or financing. We help clients compare options and connect with banks.

Always request the Product Disclosure Sheet (PDS) from your chosen bank before making any financial commitment. You may verify your credit standing via eCCRIS (Bank Negara Malaysia) or CTOS. For free debt counselling, contact AKPK (Agensi Kaunseling dan Pengurusan Kredit) at 1800-88-2575.