Financial diagnostic
List what you owe and what you earn. Kira-Kira works out your debt service ratio and what consolidating your high-interest debt could actually save you — in under two minutes, before you're connected to a bank or an advisor.
Free to use · No credit check · Connects you to licensed banks and AKPK where relevant
Your ledger
Add every liability — credit cards, car, personal loan, PTPTN, housing, anything else. Kira-Kira only estimates consolidation savings on credit cards and personal loans, since those usually carry the highest rates. Everything else is still counted toward your debt service ratio.
Rough figures are fine — you can always refine them on WhatsApp.
Net monthly incomeConsolidation candidates (credit cards & personal loans) are flagged below — these are what Kira-Kira estimates savings on.
Not chasing debt relief?
Check what your business could realistically borrow, and whether a conventional loan or a government-backed scheme fits better.
Try the SME calculator →Civil servant? Check your LPPSA eligibility using their own published formula — before you apply.
Try the LPPSA calculator →Own a home? Fold your credit cards and personal loans into it at the home loan rate — and see the trade-offs first.
Try the refinance calculator →Buying or refinancing property? See AIA's real tiered fixed rates and your estimated instalment by grade.
Try the AIA loan calculator →Before you decide
Your debt service ratio is your total monthly debt repayments divided by your net income. Banks use it to decide what you can borrow — it's the single number worth knowing before you apply anywhere.
Baca dalam Bahasa Malaysia →AKPK restructures what you already owe, at no cost, through a government agency. A consolidation loan replaces high-interest debt with a single lower-interest one. Which fits depends on how severe things are — Kira-Kira flags this for you automatically.
You get an estimate first, free and without a credit check. If it looks worthwhile, you're connected directly to a person on WhatsApp — not a call centre queue.
Most of Malaysia's licensed commercial and Islamic banks offer personal financing, balance transfer, or home refinancing products that can be used to consolidate debt, including Maybank, CIMB Bank, Public Bank, RHB Bank, Hong Leong Bank, AmBank, Affin Bank, Alliance Bank, Bank Islam, and Bank Muamalat. Rates, tenure and eligibility vary by bank and by your credit profile — Kira-Kira's estimate gives you a starting point before you compare offers directly.
Kira-Kira is independent and is not affiliated with, endorsed by, or acting as an agent of any bank named above.
Read: Comparing bank options for debt consolidation →
Read: Refinancing vs. debt consolidation — which saves more? →
Kira-Kira is a matching and information service. We connect you directly to licensed banks, financial institutions, and AKPK where relevant. We are not a licensed moneylender and do not lend money ourselves.
Every figure shown on this site is an estimate to help you decide whether it's worth having a conversation. Final approval, rates and terms are set solely by the relevant licensed institution.