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Malaysia calculators — EPF, petrol, 1 vs 2 store, Budi95 & STR

Kira kasar untuk gaji net-ish, caruman EPF (pekerja + majikan), weekly petrol (litres × RM/L), 1-store vs 2-store petrol break-even (ties to the homepage “after petrol” promise), Budi95 / petrol trip cost, and an STR / aid-week grocery stretch planner (cash + optional MyKasih → P0 staples first). All client-side — no login, no AI. Estimates labelled with date; not legal / KWSP / LHDN / official STR or MyKasih advice.

Updated 5 Sep 2026 · estimates only

Estimates, not guarantees. EPF uses common Third Schedule-style percentage shortcuts (employee 11%; employer 13% if wage ≤ RM5,000 else 12%) — real remittances for many bands follow the official KWSP table, not raw %. Salary “net-ish” is a rough take-home sketch (EPF employee + optional SOCSO/EIS + optional PCB %). Petrol defaults mirror Priceory’s /fuel snapshot (as of 3 Sep 2026). 1 vs 2 store break-even = goods save − petrol for the extra round-trip only — not traffic, parking, or time. STR / MyKasih stretch maths are household templates only — not eligibility, payment dates, or official aid advice. Always confirm at the pump and on kwsp.gov.my / LHDN / government channels.

Monthly net-ish salary (rough)

Gross → minus employee EPF (11%) → optional SOCSO/EIS (~0.7% employee, capped wage RM6,000) → optional PCB estimate %. Not tax advice.

Employee EPF (~11%)
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SOCSO+EIS (employee)
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PCB estimate
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Rough net-ish / month
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Assumptions dated : Malaysian / PR under 60, percentage shortcut (not Third Schedule ringgit table). PCB is a user-entered %. Confirm with your payroll / LHDN.

Petrol weekly cost

Litres × RM per litre. Defaults from Priceory fuel table (as of 3 Sep 2026). Edit price if your pump differs.

RM / litre used
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Weekly petrol cost
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Monthly-ish (×4.3)
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Fuel snapshot as of via Priceory / open data. Confirm board price. Trip maths: Plan this week.

EPF employee + employer (rough)

Percentage shortcut commonly cited for Malaysians / PR under 60: employee 11%; employer 13% if monthly wage ≤ RM5,000, else 12%. For many bands KWSP requires the official Third Schedule table — treat this as a planning sketch.

Employee share
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Employer share
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Total contribution
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Rates used
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Estimate assumptions dated . Official: KWSP mandatory contribution. Not payroll software.

Budi95 / petrol trip cost

Estimate petrol for a grocery run: round-trip km × L/100km × pump RM/L. Defaults use Priceory /fuel snapshot (as of 3 Sep 2026). Eligible Budi95 vs market RON95 — confirm eligibility and pump board. Not travel advice.

Litres for this trip
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Petrol cost
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vs RON95 market (same trip)
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Net after goods save
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Fuel defaults as of . Compare: Plan this week · guide: Budi95 & grocery trips. Confirm at the pump.

1-store vs 2-store petrol break-even

Homepage promise: same pack — does a 2nd store still win after petrol? Enter grocery savings from the 2nd stop, extra round-trip km for that detour, L/100km, and RM/L (defaults from Priceory /fuel as of 3 Sep 2026). Output: petrol cost of the extra trip, net keep after petrol, and a clear wins / loses verdict. Manglish OK — estimate only.

RM / litre used
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Litres for extra trip
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Petrol cost of extra trip
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Net keep after petrol
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Verdict
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Plan this week (1 vs 2 after petrol) See live trip hero

Estimate only — dated . Formula: net keep = grocery save − (extra km × L/100km ÷ 100 × RM/L). Ignores parking, toll, time, and traffic. Fuel defaults as of via /fuel. Soft shop (merchant host): Shopee MY · Lazada MY — then same-pack compare.

STR / aid-week grocery stretch

Masukkan STR / cash top-up (RM) + optional MyKasih balance. Pilih suggested % split (P0 oil/rice/sugar first) atau isi checklist totals for your planned staples. Output = suggested spend allocation — estimates only, dated below. Not official STR / MyKasih advice.

Default household template (illustrative): P0 staples 45% · P1 protein/dairy 25% · P2 household 15% · Flex 15%. MyKasih (if any) is applied to P0 first, then leftover cash fills the rest.

Total aid pool (cash + MyKasih)
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P0 staples (oil / rice / sugar…)
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P1 protein / dairy
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P2 household
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Flex / leftover
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MyKasih → P0 cover
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Cash still needed after MyKasih
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Open weekly basket MyKasih staples list

Estimate assumptions dated . Guides: Household aid stack (MyKasih + STR + Budi95) · STR & grocery stretch. Soft shop (merchant host): Shopee MY · Lazada MY — then same-pack compare. Not official STR / MyKasih / MoF advice.

Calculator FAQ

Are these official KWSP, LHDN, or STR tools?

No. Free client-side estimates for planning only — not official KWSP, LHDN, MoF, or STR/MyKasih advice. Confirm on government or operator channels.

How does 1-store vs 2-store petrol break-even work?

Grocery save from a 2nd store minus petrol for the extra round-trip km (L/100km × RM/L). Ignores parking, toll, and time. Jump: break-even calculator.

What tools are on this hub?

Net-ish salary, EPF employee+employer, weekly petrol, Budi95 trip cost, 1 vs 2 store break-even, and STR / aid-week grocery stretch. Defaults dated on the page — re-check /fuel and official rates.

Malaysia cost of living hub — Budi95, STR/SARA, grocery jimat Live Malaysia fuel prices (RON95 · BUDI95 · RON97 · diesel) Same-pack grocery search Same-pack filter Plan this week’s shop (after petrol) MyKasih staples basket preset Budi95 & grocery trips Household aid stack — MyKasih + STR + Budi95 STR & grocery stretch 1-store vs 2-store petrol break-even Homepage trip hero — 1 vs 2 after petrol

Next: same-pack shop

Finished kira? Compare the same pack across Malaysian stores on Priceory, then open the merchant page you choose (Shopee / Lazada stay on their own host so tracking pixels can attribute naturally).

Plan this week's shop   Search a pack   Marketplace / online picks   This week's fuel prices

Soft shop links (merchant host · no invented prices): Shopee Malaysia · Lazada Malaysia · then come back to same-pack compare before you tap buy.