TNB Bill Calculator 2025 (Updated)

Calculate your electricity bill with the latest TNB tariff structure!

No	Tariff Block (kWh)	Rate (sen/kWh)	Service Tax
1	1-200	21.8	No
2	201-300	33.4	No
3	301-600	51.6	No
4	601-900	54.6	Yes (8%)
5	901 onwards	57.1	Yes (8%)

Consumable kWh (Experimental)

Predicted Consumable kWh	{{consumable}} kWh

Current Bill Breakdown

Current Bill (Before Service Tax)	RM {{total}}
8% Service Tax	RM {{gst}}
ICPT Adjustment	RM {{icpt}}
Current Bill (Inclusive of Service Tax)	RM {{gstTotal}}

Tariff Breakdown

Tier	Consumption (kWh)	Rate (sen/kWh)	Charge (RM)
{{tier.min}}-{{tier.max > 0 ? tier.max : tier.min + '+'}}	{{tier.consumption}}	{{tier.rate}}	{{tier.charge \| number:2}}

Notes

This calculator is based on TNB's domestic tariff structure effective as of 2025.

Service Tax (ST) at 8% is charged for residential customers with consumption more than 600 kWh.

ICPT (Imbalance Cost Pass-Through) rates vary based on consumption levels and are applied automatically.

Green Electricity Tariff (GTR) is optional and allows you to support renewable energy initiatives.

Note: This information is valid until 30 June 2025. For the latest updates on Electricity Tariff Restructuring effective from 1 July 2025, please visit www.myTNB.com.my/tariff

Financial Freedom Calculator

Plan your retirement and calculate the investment needed for financial independence!

📊 Retirement Plan Summary

Years to Retirement	{{freedomResult.yearsToRetire}} years
Future Monthly Expenses (Inflation-adjusted)	RM {{freedomResult.futureMonthlyExpense \| number:2}}
Target Retirement Fund Required	RM {{freedomResult.requiredRetirementFund \| number:2}}
Future Value of Current Savings	RM {{freedomResult.futureValueOfCurrentSavings \| number:2}}
Remaining Amount Needed	RM {{freedomResult.remainingAmountNeeded \| number:2}}
🎉 Congratulations! You're already on track for financial freedom with your current savings!
Monthly Investment Required	RM {{freedomResult.monthlyInvestmentRequired \| number:2}}
Total Capital to Be Invested	RM {{freedomResult.totalInvestedCapital \| number:2}}
Minimum Annual Income Required (20% savings)	RM {{freedomResult.annualIncomeRequired \| number:2}}

Assumptions & Notes

4% Rule: Based on the safe withdrawal rate for retirement planning.

Savings Rate: Assumes you can save 20% of your income for investments.

Compound Growth: Calculations assume consistent monthly investments with compound returns.

Inflation: Future expenses are adjusted for inflation to maintain purchasing power.

Disclaimer: This calculator provides estimates based on the inputs provided. Actual investment returns may vary. Please consult with a financial advisor for personalized advice.

Mortgage / Early Repayment

See how extra repayments change your interest cost and time to repay.

Your loan and repayment plan

Starting values are illustrative, not a current bank offer. All amounts are in RM.

Loan amount / outstanding balance (RM)

For an existing loan, use the current outstanding principal. For a new loan, exclude the down payment.

Annual interest rate (%)

Held constant for this estimate. Enter your rate, not a bank reference rate.

Remaining term - years

Enter whole years, from 0 to 50.

Remaining term - additional months

Enter 0 to 11 months. Total term must be 1 to 600 months.

Extra monthly repayment (RM)

Optional. Starts with month 1 and reduces principal after the regular payment.

One-time lump sum (RM)

Optional. Applied after the regular payment and monthly extra.

Lump sum payment month

Month 1 is the first modeled payment. Used only when a lump sum is entered.

Your repayment comparison

Estimated interest savedRM {{mortgage.comparison.interestSavedCents / 100 | number:2}}

Time saved{{mortgage.duration(mortgage.comparison.monthsSaved)}}

Estimate using a constant interest rate and monthly interest calculation. Extra payments are assumed to reduce principal while the regular installment stays unchanged. Your bank's payment rules, rounding, rate changes, and fees may change the result.

For an existing loan, the regular installment below is estimated from your balance, rate, and remaining term. It may differ from your contractual installment.

Baseline compared with your custom repayment plan
Measure	Regular repayments	Your plan
Regular installment	RM {{mortgage.comparison.baseline.regularPaymentCents / 100 \| number:2}}	RM {{mortgage.comparison.custom.regularPaymentCents / 100 \| number:2}}
Planned monthly outlay	RM {{mortgage.comparison.baseline.regularPaymentCents / 100 \| number:2}}	RM {{mortgage.monthlyOutlayCents / 100 \| number:2}}
Repayment duration	{{mortgage.duration(mortgage.comparison.baseline.payoffMonths)}}	{{mortgage.duration(mortgage.comparison.custom.payoffMonths)}}
Total interest	RM {{mortgage.comparison.baseline.totalInterestCents / 100 \| number:2}}	RM {{mortgage.comparison.custom.totalInterestCents / 100 \| number:2}}
Total paid	RM {{mortgage.comparison.baseline.totalPaidCents / 100 \| number:2}}	RM {{mortgage.comparison.custom.totalPaidCents / 100 \| number:2}}
Actual final payment (all components)	RM {{mortgage.comparison.baseline.finalPaymentCents / 100 \| number:2}}	RM {{mortgage.comparison.custom.finalPaymentCents / 100 \| number:2}}
Lump sum actually used	RM 0.00	RM {{mortgage.comparison.custom.lumpSumAppliedCents / 100 \| number:2}}

RM {{mortgage.comparison.custom.lumpSumUnusedCents / 100 | number:2}} of your planned lump sum is not needed: the loan is already paid off, or needs only part of that payment.

Monthly outlay excludes the one-time lump sum. Total paid includes all principal and interest actually paid, including extras. The final payment is capped or adjusted for rounding.

What if you paid a little more each month?

Preset scenarios use monthly extras only. Your plan includes your lump sum when entered.

Monthly extra repayment scenarios
Scenario	Total interest	Interest saved	Paid off in	Time saved
Regular repayments	RM {{mortgage.comparison.baseline.totalInterestCents / 100 \| number:2}}	RM 0.00	{{mortgage.duration(mortgage.comparison.baseline.payoffMonths)}}	0 months
+RM {{preset.extraMonthlyCents / 100 \| number:2}} / month	RM {{preset.result.totalInterestCents / 100 \| number:2}}	RM {{preset.interestSavedCents / 100 \| number:2}}	{{mortgage.duration(preset.result.payoffMonths)}}	{{mortgage.duration(preset.monthsSaved)}}
Your plan (includes lump sum)	RM {{mortgage.comparison.custom.totalInterestCents / 100 \| number:2}}	RM {{mortgage.comparison.interestSavedCents / 100 \| number:2}}	{{mortgage.duration(mortgage.comparison.custom.payoffMonths)}}	{{mortgage.duration(mortgage.comparison.monthsSaved)}}

Loan balance over time

Regular repayments (solid)Your plan (dashed)

Schedule for Page {{mortgage.schedulePage + 1}} of {{mortgage.pageCount}}

Monthly repayment schedule - all amounts in RM
Month	Opening balance	Interest	Regular payment	Monthly extra	Lump sum	Closing balance
{{row.month}}	{{row.openingBalanceCents / 100 \| number:2}}	{{row.interestCents / 100 \| number:2}}	{{row.regularPaymentCents / 100 \| number:2}}	{{row.extraPaymentCents / 100 \| number:2}}	{{row.lumpSumPaymentCents / 100 \| number:2}}	{{row.closingBalanceCents / 100 \| number:2}}

How this estimate works

Interest is charged monthly on the opening balance, then the regular payment, monthly extra, and lump sum are applied in that order. Extra payments reduce interest from the following month. Each month's interest is rounded to the nearest sen; the regular installment rounds up to a sen. The final regular payment clears any rounding residual.

This estimates a fully disbursed conventional amortizing loan. It excludes changing rates, daily interest, fees, insurance, penalties, offset accounts, redraws, progressive disbursement, and Islamic financing product rules. Check your bank's terms before arranging an extra repayment.

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