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PTPTN Loan Calculator

Plan your student loan repayment with different payment options and understand discount opportunities

Loan Details

Total outstanding loan amount

Your current monthly gross income

Choose your preferred repayment method

PTPTN Repayment Guide

Interest Rate

  • • Current rate: 1% per annum
  • • Calculated on reducing balance
  • • Lower than commercial rates

Repayment Options

  • • Income-based: 2% of salary
  • • Fixed term: 10, 15, or 20 years
  • • Minimum payment: RM100/month

Discounts Available

  • • 15% for full payment
  • • 10% for early settlement
  • • 10% for excellent grades (CGPA ≥ 3.67)