Finance · Free · Client-side

PTPTN Loan Repayment Calculator

Enter outstanding PTPTN balance and repayment years. See estimated monthly instalments with 1% ujrah, plus illustrative savings if you apply a full-settlement or salary-deduction discount.

Use the % from a current PTPTN campaign.

Ujrah (~1%/yr)

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Monthly instalment

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Full settle (w/ discount)

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Est. discount saved

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  • Total if paying monthly (w/ ujrah) —
  • Monthly with DD discount —

Educational model only — confirm balances and promotions on official PTPTN channels.

How this ptptn repayment calculator works

  1. 01 Enter outstanding principal (RM) and intended repayment years.
  2. 02 Ujrah is modelled at ~1% per year on principal for education.
  3. 03 Toggle illustrative discounts for full settlement or direct debit.
  4. 04 Compare standard vs discounted totals.

Frequently asked questions

Is this an official PTPTN statement? +

No. Use it for planning. Official balances, ujrah, and promotions come from PTPTN / i-majlis / your statement.

How is ujrah modelled? +

As a simple 1% per annum × years × principal estimate. Actual PTPTN charging may differ by scheme and date.

Are discount rates fixed? +

Promotions change. The sliders let you plug in the % from a current PTPTN campaign.