Welcome to Settle Hutang
Take Control of Your Debt.
Cut Bank Interest.
Settle Faster.
Stop overpaying the banks.
Use our free 3-phase diagnosis engine to calculate instant interest savings on your
Flexi Home Loan, Credit Cards, Car Loan, or PTPTN.
Free 3-step diagnosis engine for Flexi Home Loans, Credit Cards, Car Loans, and PTPTN.
No registration required.
SettleHutang 3-Phase Debt Reduction Engine
Diagnose your math → Lock in bank hacks → Track your journey to RM0 debt.
Select your primary debt focus:
📊 Phase 1 Reality Check Summary
⚡ Phase 2: Execution & Bank Hacks
Use these pre-written copy-paste scripts and step-by-step guides to move your cash today.
🛡️ Phase 3: Long-Term Habit Tracker & Protection
🛒 The "Impulse Purchase vs Debt" Converter
Thinking of buying a gadget or going on a weekend trip? Key in the price to see how many extra months of debt service it costs you.
📌 Save Your Progress (Private & Anonymous)
Click below to save your Phase 1 diagnosis figures to your browser's local memory. When you return to SettleHutang.com, your countdown will be waiting for you.
Core Value Pillars
01
BNM & Interest Hacks
Expose effective APR rates vs advertised flat rates for car and credit card loans.
02
Copy-Paste Bank Scripts
Get pre-written scripts to request 0% balance transfers and HR salary deductions.
03
100% Anonymous & Local
Your numbers stay stored safely in your own browser’s local memory.
The 4 Main Debt Hacks
01
Flexi Home Loans
Explain how daily-rest interest works when parking emergency cash in current accounts.
02
Credit Card 0% BT
Show how shifting 18% APR balances onto structured 12-month plans stops compounding interest.
03
PTPTN 10% Discount
Highlight how setting up direct salary deduction drops total balance instantly.
04
AKPK & Consolidation
Provide clear guidance for users dealing with high Debt Service Ratios (DSR).
Trust & AKPK Support Callout
Struggling with payments over 60% of your net income? The SettleHutang engine helps you map out options, but you can also connect directly with AKPK for formal Debt Management Programmes (DMP).
Stop Letting Compounding Bank Interest Freeze Your Monthly Salary
Turn your debt payoff from confusing math into a step-by-step execution plan. Run your free diagnostic test now and lock in bank interest hacks.