Flexi vs non flexi loan
Flexi vs Non Flexi Loan Benefit Calculator
Estimate how much interest you can save by parking money in a flexi loan account compared to a normal non flexi loan. See net savings after flexi fees, the effective return on your parked balance, and how it compares with FD rates.
This calculator provides simplified estimates for education and discussion only. Actual loan interest, fees and flexi rules depend on your bank and legal documents.
1. Loan details and flexi setup
Loan outstanding (RM)
Current outstanding or original amount
Effective interest rate (% p.a.)
Annual effective rate
Tenure (years)
Total loan tenure
Used to estimate monthly installment. Actual bank schedule may differ slightly.
Monthly installment (estimated)
Based on loan amount, rate and tenure
Flexi account balance (RM)
Average money parked in flexi account
This is the average offset balance you expect to maintain during the simulation period.
Monthly flexi fee (RM)
Eg RM10 for full flexi, RM5 for semi flexi
Simulation period (months)
1 to full tenure, capped at total tenure
FD comparison rate (% p.a.)
To compare flexi offset vs FD return on same balance
Simple model: interest is approximated using a flat outstanding and constant offset balance over the chosen
period. For precise numbers, always refer to your bank amortization schedule.
2. Flexi vs non flexi result
Total interest (non flexi, over period)
RM 0.00
Total interest (flexi, over period)
RM 0.00
Interest saved by flexi (before fees)
RM 0.00
Flexi fees over period
RM 0.00
Net savings from flexi (after fees)
RM 0.00
Effective return on flexi balance
- % p.a.
FD return on same balance
RM 0.00
Key figures will appear here after you enter your loan, flexi balance and simulation period, then click "Calculate flexi benefit".
3. Detailed numbers for this scenario
| Metric | Value |
|---|---|
| Loan outstanding used in simulation | - |
| Flexi balance (offset) | - |
| Simulation period | - |
| Loan rate | - |
| Monthly flexi fee | - |
| Total interest (non flexi) | - |
| Total interest (flexi) | - |
| Interest saved before fees | - |
| Flexi fees over period | - |
| Net savings from flexi | - |
| Effective return on flexi balance | - |
| FD rate you entered | - |
| Break even average flexi balance | - |
Interest and fees over simulation period
Interest with normal non flexi loan
Interest with flexi (offset applied)
Total flexi fees over period
Flexi vs non flexi feature comparison
| Feature | Flexi loan | Non flexi loan |
|---|---|---|
| Interest charged on | Outstanding minus flexi balance | Full outstanding |
| Can withdraw extra funds | Yes, from linked account (subject to product rules) | No, unless formal prepayment adjustment |
| Monthly fee | Yes (flexi fee you entered) | Usually 0 |
| Return on parked cash | Interest saved at your loan rate | 0 percent (unless prepayment is done) |
| Admin required to reduce loan interest | None, as long as money stays in flexi account | Yes, formal prepayment to recalc schedule |
This flexi calculator uses a simplified monthly interest model and assumes a constant average
flexi balance over the selected period. It does not simulate full amortization, changing rates,
lock in penalties or prepayment rules. Always confirm with your bank before making decisions.