About HelloKalku
HelloKalku is a free collection of practical calculators and guides built for people making everyday financial and personal decisions in Malaysia. The tools cover salary deductions, EPF retirement projections, income tax, loans, savings, currency conversion, health, mathematics, zakat, faraid, and wasiat planning.
Our goal is to make useful calculations easier to understand. Each tool explains its assumptions and shows the formulas or rules behind the result wherever practical. Results are estimates for education and planning, not a substitute for an official assessment or professional advice.
HelloKalku is designed to work without an account. Calculator inputs are processed in your browser and are not sent to our servers as part of the calculation. Preferences, saved scenarios, and history stay in local browser storage on your device.
The site is operated by independent developer amammustofa. HelloKalku is not affiliated with Malaysian government agencies, KWSP/EPF, LHDN, PERKESO, or religious authorities. Statutory rules and rates can change, so verify important results with the relevant official source.
We publish guides alongside the calculators to explain common terms, assumptions, and practical examples. Each guide is informational and should be checked against current official rules before you rely on it. We aim to review important figures regularly, but no calculator can account for every personal circumstance, employer payroll method, or state-specific religious ruling.
The site is available in English, Bahasa Malaysia, and Bahasa Indonesia. Language versions help people understand the tools, but not every long-form guide has been fully translated. When reading a translated page, check its language and date and consult a qualified professional or official source where the exact wording matters.
You can browse the calculators without creating an account or sharing your calculations. See the Privacy Policy for details on analytics, advertising, local browser storage, and the limited information submitted through optional forms. The Terms of Use explain the limitations of the estimates and your responsibilities when using the site.