Guides & Explainers
Deep-dive explainers on the math behind our calculators — how EPF compounds, why TNB bills cliff, how LHDN brackets really work.
·6 min read
Why your TNB bill jumps above 600 kWh: the tier math you should know
Air conditioning season hits and your TNB bill doubles. It's not the meter — it's the 600 kWh tier cliff plus 8% SST. Here's exactly how the math works, and three practical ways to flatten the curve.
TNBelectricityMalaysiaenergy
·9 min read
Malaysian income tax brackets, explained: with worked examples
Malaysia's tax brackets are progressive — but a lot of people misunderstand what that actually means. Here's a clear walkthrough with three worked examples, plus the relief mechanics behind your real take-home.
taxLHDNMalaysiaincome tax
·7 min read
How EPF dividends actually compound: a math walkthrough
Most Malaysians know EPF declares a dividend each year, but few understand how that figure actually compounds against monthly contributions. Here's the math, step by step.
EPFKWSPretirementcompounding