Buy in cash. No loan.

See the year your savings can pay for a home.

Your savings plan

Your ageTypical pay at 30: RM2,342.Monthly salary today (RM)Typical: RM2,793. Use your own.Share of salary you save (%)After bills.Savings you have now (RM)Starts at a 10% deposit.

Fine-tune your pay (optional)

IndustrySets how fast pay rises.Job roleSets your starting pay.Yearly raise (%)Empty = data (~7.1%).

All industries: pay rose 6.1%/yr before 2020, 2.7%/yr 2019-24.

Promotions and job moves (optional)

Replaces the age raise. Typical: a promotion +17% every ~3 years; a job move +10% to 30%.

A promotion about every (years)Each one raises pay by (%)Moving employer about every (years)Each move raises pay by (%)

›Not sure which industry? Let AI match your job

Describe what you do: job titles, industry, years, qualifications.

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Return on your investment

Low-risk savings, ~6.0% a yearMy own investment

Check it is shariah-compliant with an adviser.

Find your property

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›Or paste a listing instead

Import from a listing

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Your property

Pick the most specific location you can.

StateProperty typeDistrictMost granular -- optionalTenureLeasehold typically sells for less than freehold nearbyRegionSub-state, optional

Purchase price (RM)Floor area (sqft)Built-up size (condos: strata size), not land.

›Other assumptions

Include stamp duty & legal feesFirst-time Malaysian buyer (stamp duty exempt up to RM500k)Date you sign the sale and purchase agreementExemption applies to SPAs signed 2026-01-01 to 2027-12-31 only.

Saving 20% (RM559 a month to start)

Most likely not within 35 years

Only 39% of futures get there within 35 years. See the table below for what each target year needs.

Chance of buying by	Year 5	Year 10	Year 15	Year 20	Year 30
Chance	<1%	<1%	<1%	4%	31%

Your savings vs. what the home costs

Your savings vs. home price + costs (future ringgit)?

Typical range (middle 50%)?Your savings (typical case)Home price + buying costs

›How this is calculated

Each simulated future has its own house-price path (W.P. Kuala Lumpur MHPI index, 2009-2025 (16 years)), investment return and salary. Every year the pot grows, then 20% of that year's salary is added. You can buy the first year it covers the price plus stamp duty and legal fees. House prices rise about 4.7% a year here, fading toward a long-run 4.1%. Pay rises about 3.7% a year (all industries trend from DOSM, plus 5.9% for your age now, easing off around 43). You stop saving at 60.

Pick a district to check your price against local sales. Without one, no price adjustment is made.

How much you would need to save

Monthly saving to buy by each year (typical case)?

To buy by	Save each month at the start	Share of today's salary
Year 5	RM7,397	more than your salary
Year 10	RM3,310	more than your salary
Year 15	RM1,999	72%
Year 20	RM1,389	50%
Year 25	RM1,040	37%
Year 30	RM814	29%

assumption: typical case only -- your plan saves RM559 a month at the start

Recent sales near your price

Pick a district to see real recorded sales close to your price.