PTPTN Repayment Calculator Malaysia 2026
Work out your PTPTN monthly instalment, the ujrah you will pay and roughly what it takes to settle early.
Preview page. The rates are checked against official sources; the page is awaiting final review before it is published.
Result
This is an estimate for planning. Confirm the final figure with the bank, JPJ or LHDN before you commit.
How it's calculated
PTPTN loans carry ujrah, a fee of 1% a year at a flat rate on the principal. The repayment period comes from PTPTN’s table, and the instalment spreads the principal and the ujrah evenly over that period.
ujrah = principal × 1% × years of repayment and instalment = (principal + ujrah) ÷ months
Worked example (the default inputs). A principal of RM 40,000.00 falls in the band above RM 22,000 up to RM 50,000, which PTPTN repays over 180 months, 15 years. Ujrah is RM 40,000 × 1% × 15 = RM 6,000.00, so the total to repay is RM 46,000.00 and the instalment is RM 255.56 a month.
After 60 instalments, RM 15,333.33 has been paid and RM 2,000.00 of ujrah has been charged. Using PTPTN’s balance formula, principal plus ujrah charged less payments, settling then would take about RM 26,666.67, against RM 30,666.67 for the remaining 120 instalments: RM 4,000.00 of ujrah avoided.
The settlement figure is an estimate that assumes ujrah is charged evenly every month and every instalment was paid in full and on time. Your myPTPTN statement shows the exact balance.
The repayment period table
PTPTN sets the period from the ujrah principal: RM 10,000 and below, 60 months; more than RM 10,000 to RM 22,000, 120 months; more than RM 22,000 to RM 50,000, 180 months; more than RM 50,000, 240 months. Because ujrah is charged for every year of the period, a longer period lowers the instalment but raises the total. PTPTN’s own comparison shows RM 100,000 over 20 years costing RM 20,000 in ujrah, about half what the old 3% administrative cost would have charged.
Paying by salary deduction
PTPTN encourages repayment by salary deduction or direct debit, which keeps the account current and avoids arrears. Budget 2027 also gives employers a tax deduction for repaying PTPTN on behalf of their full-time employees from 2027 to 2028, so it is worth asking whether your employer will take part. Borrowers who are in arrears can be barred from leaving the country, so if repayments become difficult, apply to restructure before the arrears build up.
FAQ
How is PTPTN ujrah calculated?
Ujrah is PTPTN’s fee for managing the loan: 1% a year at a flat rate on the principal, charged monthly from the 13th month after your loan ends. On RM 40,000 repaid over 15 years it comes to RM 6,000 in total. Before December 2008 PTPTN charged an administrative cost of 3% to 5% on the reducing balance; existing loans were converted to ujrah from 1 August 2009.
When do I have to start repaying PTPTN?
Twelve months after your loan ends, without waiting for a repayment notice. No ujrah is charged during those 12 months, so settling the loan in full within that period means you repay only the principal. Payments are due by the 27th of each month, and paying less than the instalment creates arrears.
How long is the PTPTN repayment period?
It depends on the principal: up to RM 10,000 is repaid over 5 years, more than RM 10,000 up to RM 22,000 over 10 years, more than RM 22,000 up to RM 50,000 over 15 years, and above RM 50,000 over 20 years. Borrowers who struggle can apply to restructure, which can extend the period up to age 60 with a minimum instalment of 5% to 8% of gross income.
Is there a discount for settling PTPTN early?
There is no standing early settlement discount at present, but settling early still saves money because ujrah is charged month by month: you avoid the ujrah for the months you do not need. Budget 2027 announced a 10% repayment discount in 2027 for borrowers with no arrears who repay regularly, deferment for borrowers earning up to RM 2,500 a month, and a RM 50 minimum for those earning RM 2,501 to RM 3,000. PTPTN had not published the details when this page was checked.
Who qualifies for the first class honours exemption?
From 1 January 2026, graduates with a first class honours bachelor’s degree from a public university, studying full time and finishing within the offer period, from a B40 or M40 household, whose PTPTN loan does not overlap with another sponsorship. The application must be made through myPTPTN within 12 months of convocation, and only the degree-level loan is exempted.