Scheme Eligibility Checker
See which Malaysian aid schemes and incentives you may qualify for — and what to do next. Private: nothing you enter is saved.
Your household income of RM4,000 is within the indicative STR band (≤ RM5,000). The payout depends on your income band and household size.
Next: Register or update your details on the official STR portal (MOF/LHDN) to confirm your band and payout. Official source →
With 2 children, SSPN deposits earn dividends and qualify for tax relief on net savings.
Next: Open an SSPN account and claim the relief on your net annual deposit. Official source →
Your savings (RM25,000) exceed the indicative nisab (~RM24,000, based on the gold price). Zakat of 2.5% may be due — about RM625 if held for a full year.
Next: Confirm the current nisab (it moves with the gold price) and pay via your state zakat authority — zakat is a full tax rebate. Official source →
Your current DSR is 22% — comfortable headroom for a new loan (banks typically cap DSR around 60%).
Next: Use the home loan calculator's affordability mode to size a realistic loan. Official source →
Income thresholds and the zakat nisab are indicative and change (with each Budget, or the gold price). This is a guide, not a decision — always confirm with the official source before applying.
Frequently asked questions
Which schemes does this check?
STR (Sumbangan Tunai Rahmah) cash aid, i-Saraan EPF matching for informal workers, SSPN education savings, zakat on savings, and a home-loan pre-qualification based on your DSR.
Are these results a guarantee?
No. The income bands and the zakat nisab are indicative and change — STR thresholds are revised each Budget and the nisab moves with the gold price. Use this as a guide, then confirm and apply through the official source linked on each result.
Is my information stored?
No. Everything is calculated in your browser — nothing you enter is sent to a server or saved.
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