About
About hutang.me
hutang.me is a free, independent set of calculators and guides that help Malaysians understand their debt before a bank does — DSR, loan costs, and what the rules actually say.
Who runs this site
hutang.me is built and maintained by Zack, a software engineer based in Malaysia. It is an independent project — not owned by, affiliated with, or paid by any bank, lender, or financial product provider.
There are no sponsored rankings and no affiliate commissions influencing what the tools show. If advertising is ever added to support hosting costs, it will be clearly distinguishable from content and will never change a calculation result.
Why it exists
Most Malaysians first hear about DSR when a loan officer rejects their application. The formula is public, bank reference ranges appear in consumer education and bank materials, and stamp duty scales are set in law. This site puts those numbers within reach in both English and Bahasa Malaysia.
Every calculator runs entirely in your browser. Your income and commitments are never sent to a server or shared; they are remembered only in your browser so you can continue later.
How the tools and guides are built
Each calculator is built from relevant published source materials. Legal and rate calculators use gazetted acts, LHDN schedules, Malaysian Bar circulars, and official Budget announcements. The DSR calculator uses the public debt-commitment formula plus PIDM and bank education materials for planning context; it is not a BNM-approved threshold or a bank decision tool.
Rates and schemes change every Budget cycle, so pages are reviewed and refreshed when the rules change.
Review status
Formula and source checks are currently self-reviewed by Zack before publication and again when a page is materially updated. The site is transparent about that limit: it has not yet been independently reviewed by a licensed financial planner, mortgage consultant, or bank officer.
When independent review is added later, the reviewer and review date will be shown on the affected page.
Corrections
If you spot an outdated rate, a wrong formula, or anything misleading, please say so — corrections are prioritised over everything else and published with an updated date on the affected page.