Consumer finance tool

Installment True Cost Calculator

Many “0% installment” plans hide fees inside the repayment amount. Use this simple tool to check whether you're really paying zero interest.

1. Enter Installment Details

Item Price (RM)

Total Amount You Repay (RM)

Installment Duration (Months)

Your Expected Savings / FD Rate (%)

2. True Cost & Verdict

Enter values to begin

Extra Cash Paid

RM -

True Annual Rate

- %

Opportunity Cost (Money You Could Have Earned)

RM -

Disclaimer: This calculator provides an estimated True Annual Interest Rate based on simplified repayment structure. It may differ slightly from your bank's official rate. Use this for financial awareness, not as legal or official rate confirmation.