工具 · 计算器
余额转账计算器
比较马来西亚 0% 和低利率余额转账计划，估算总还款额、每月分期，以及把暂缓偿还资金用于投资时的潜在盈亏。
工具 · 计算器
比较马来西亚 0% 和低利率余额转账计划，估算总还款额、每月分期，以及把暂缓偿还资金用于投资时的潜在盈亏。
Projected Net P/L After 12 Months
+RM 578.29
+5.78% of the transfer amount after paying all installments.
Total Paid
10,000.00
Total Interest
0.00
Installment Amt
833.33
Net P/L
578.29
| Term | Installment | Total Paid | BT Balance | Investment Balance | Net P/L |
|---|---|---|---|---|---|
| Month 1 | RM 833.33 | RM 833.33 | RM 9,166.67 | RM 9,250.34 | +RM 83.67 |
| Month 2 | RM 833.33 | RM 1,666.67 | RM 8,333.33 | RM 8,494.40 | +RM 161.07 |
| Month 3 | RM 833.33 | RM 2,500.00 | RM 7,500.00 | RM 7,732.14 | +RM 232.14 |
| Month 4 | RM 833.33 | RM 3,333.33 | RM 6,666.67 | RM 6,963.50 | +RM 296.84 |
| Month 5 | RM 833.33 | RM 4,166.67 | RM 5,833.33 | RM 6,188.43 | +RM 355.10 |
| Month 6 | RM 833.33 | RM 5,000.00 | RM 5,000.00 | RM 5,406.88 | +RM 406.88 |
| Month 7 | RM 833.33 | RM 5,833.33 | RM 4,166.67 | RM 4,618.78 | +RM 452.12 |
| Month 8 | RM 833.33 | RM 6,666.67 | RM 3,333.33 | RM 3,824.10 | +RM 490.76 |
| Month 9 | RM 833.33 | RM 7,500.00 | RM 2,500.00 | RM 3,022.76 | +RM 522.76 |
| Month 10 | RM 833.33 | RM 8,333.33 | RM 1,666.67 | RM 2,214.72 | +RM 548.05 |
| Month 11 | RM 833.33 | RM 9,166.67 | RM 833.33 | RM 1,399.91 | +RM 566.58 |
| Month 12 | RM 833.33 | RM 10,000.00 | RM 0.00 | RM 578.29 | +RM 578.29 |
This assumes balance transfer interest is charged upfront, monthly returns are constant, and installments are paid at month end from withdrawals of invested funds. Real world results may vary due to taxes, fees, and actual return volatility.
You can read how I personally layer balance transfer as an effective low interest loan for investment at this guide.
Most Malaysian banks front load this charge. It is calculated on the approved transfer amount first, then spread across the chosen term. Learn more about flat rate versus effective rate here.
This return depends on where you deploy the deferred cash, your own risk tolerance, and your time horizon. It can range from lower risk options such as high yield savings, fixed deposits, and money market funds, to higher risk options such as stocks and ETFs.
Most banks use simple installments where each monthly payment is equal. Some banks, such as Hong Leong Bank, use a minimum payment structure. It can be slightly more tedious to track, but often keeps more capital invested for longer.