Pongo Finance
Personal finance for Malaysians

Make your money work, so one day you don't have to.

Tools and plain-language guides to help you save more, invest steadily and work out when you can be financially free. I'm on the same road, sharing what I build and learn along the way.

Explore the tools Where do I start?
The goal The financial freedom crossover point Over the years, what your investments pay you rises until it overtakes your monthly spending. From that point on, work becomes optional. Freedom What you spend What your investments pay you Years →
When your investments pay for your life, work becomes optional. Every tool here helps you get to that point sooner.
Tools

Personal finance tools for Malaysians

A growing set of tools to help you answer the big money questions: how much tax you can save, and when you can stop working.

Retirement · FIREFree

Cukup Ke? Retirement calculator

Will your savings and EPF last? See whether you can retire early at the age you want.

  • Tests your plan against 1,000 possible market futures
  • Shows what you can spend before and after EPF opens at 55
Open calculator → Income tax · LHDNFree

Relief Maximiser: Tax relief calculator

Claim every ringgit of LHDN income tax relief you're entitled to, and see how much tax you save.

  • Checklist of every personal relief, with the limits applied
  • Covers YA 2026 and the Budget 2027 proposals
Open tool →
Coming next

More on the way

I keep building tools for the money questions Malaysians ask most. Is there one you wish existed? Tell me on Instagram.

Suggest a tool →
Start here

How to reach financial freedom in Malaysia, step by step

New to all this? Take it one step at a time, in this order. Each step makes the next one easier.

  1. Know where your money goes

    Track every ringgit for one month. You can't plan for spending you can't see, and most people are surprised by what they find.

  2. Build a safety buffer

    Keep 3 to 6 months of expenses somewhere safe and easy to reach, like a high-yield savings account, FD or money market fund. Then a surprise bill won't push you into debt.

  3. Clear expensive debt

    Credit card balances can cost up to 18% a year, which is more than most investments will earn you. Paying them off is a guaranteed return.

  4. Keep more of what you earn

    Tax reliefs for things like EPF, insurance, PRS, medical and lifestyle spending can add up. Claim everything you're entitled to.

    Check your reliefs with Relief Maximiser →

  5. Invest steadily, keep costs low

    EPF is your foundation. On top of it, invest a fixed amount every month in diversified, low-cost investments and leave them to grow. Being consistent matters more than timing the market.

  6. Find your number

    How much is enough to stop working? Work out what you need, test it against good and bad markets, and see when you can get there.

    Find out with Cukup Ke? →
My journey

Working towards financial freedom, in the open

I'm not a finance guru with everything figured out. I'm working towards financial freedom myself, and I'm sharing the journey as it happens.

That means the decisions I make, what I'm learning, what I'd do differently, and the tools I build when I can't find a good one for Malaysians.

If something I share helps you take one step forward, that's the whole point.

Follow along on Instagram

@pongofinance.my

Bite-sized money tips, progress updates and new tools as they launch.

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What you can expect

How Pongo Finance works

Made for Malaysia

EPF, LHDN, ASB, PRS. Local rules and local products, not advice copied from overseas.

Tools for real decisions

Calculators that turn your own numbers into answers, so you know what to do next.

Your numbers stay yours

Calculations run in your browser. Your salary and savings are never sent to me.

Plain language

No jargon and no hype. Just clear explanations so you can make your own decisions.