KiRA

Almost every financial calculator on the internet was written for somewhere else. You search for a loan calculator and get one that follows American rules, with American tax, in dollars.

For a Malaysian the fix is not a currency swap. Zakat has a nisab that moves with the gold price. EPF has banded contribution rates. PTPTN, ASB, income tax, a TNB electricity bill — each follows local rules that change from year to year.

Two decisions shaped the architecture.

First, separating the **engine** from the **screen**. Every calculator has its own calculation file that knows nothing about the interface. Rules can then be tested on their own — and when an EPF rate changes, one file changes instead of a screen being taken apart.

Second, live rates come from official sources on a schedule and are stored, not fetched when the user taps a button. Gold price for zakat nisab, OPR, weekly fuel prices and CPI are pulled and kept. If a source goes down the calculators still work on the last known rate — and tell the user when it was updated.