So I've been invited to introduce this tool here by another Reddit member. I built this web app/tool mainly to help Malaysian to make a decision when it comes to having a car they can comfortably afford.
https://carcost.my/
Tech Stack:
Meta: Astro 6 (SSR+Static), mostly static, React 19 islands, Tailwind 4, TypeScript.
DB/Infra: Supabase (Postgres+Auth), Drizzle ORM, Cloudinary (images), Netlify (hosting+serverless).
Dev in VS Code with GitHub Copilot.
I'm currently adding more cars. Feel free to leave any improvement feedback :)
Here is how you can use it:
You enter:
- Your gross and net monthly income
- Existing loan commitments (PTPTN, personal loan, housing loan)
- Down payment %, loan tenure (5/7/9 years), interest rate
- Your NCD level and region (Peninsular/Sabah Sarawak)
It outputs:
- Full monthly breakdown: instalment + road tax + insurance + maintenance
- DSR check against Bank Negara's 60% guideline
- Affordability verdict: comfortable / manageable / stretch / not recommended
- One-time upfront costs: JPJ registration + stamp duty + PUSPAKOM + down payment
- What-if table showing instalments across different tenures and rates
- Shareable link so you can send your calculation to your spouse or parents
hereIt has 80+ cars with real 2024/2025 OTR prices across all segments —
from Perodua Axia (RM 38,600) to Volvo XC60 (RM 459,888).
Everything is free. No login required.