This MM2H calculator gives you an instant 2026 estimate before you talk to an agent. Use the calculator below to estimate your MM2H fixed deposit, one-off fee, property minimum, and total upfront outlay by tier for 2026. It also checks the minimum age for each category. All figures are the official MOTAC requirements (see what changed for 2026); the total is an estimate that depends on the exchange rate you enter.
MM2H 2026 Cost & Eligibility Calculator
Select a tier and your age to estimate the official minimums. Figures are the 2026 MOTAC requirements and are estimates only.
Estimates only. A licensed agent is required for all applications. Confirm current figures with MOTAC.
How to Read the Results
The fixed deposit is set in US dollars, so the ringgit figure moves with the exchange rate. Remember that up to 50% of the deposit can be withdrawn after approval for approved purposes such as buying your residence. Property is mandatory for all tiers, and only the Platinum tier grants work and business rights.
How the MM2H Calculator Works
The calculator estimates three things that together make up the real cost of joining MM2H: the fixed deposit you must place in a Malaysian bank, the one-off costs of applying, and the ongoing costs of maintaining your status. It works from the tier you select, because each MM2H tier carries its own fixed deposit and financial thresholds. Once you choose a tier and enter your details, it combines the government-set deposit figure with typical application and third-party costs to give you a realistic total rather than just the headline deposit number.
Because several of these figures are set in US dollars while you will pay in Malaysian ringgit, the calculator is an estimate rather than an exact quote. Exchange rates move daily, and some third-party costs vary by provider, so treat the output as a well-informed planning figure that gets you into the right ballpark before you speak to an agent or bank.
Understanding the Three Cost Buckets
It helps to think of MM2H costs in three distinct buckets, because they behave very differently:
- The fixed deposit: the largest figure, but it is your money — it stays in your account and a portion can often be released later for approved purposes such as property. It is a parked asset, not a fee.
- One-off costs: application and processing charges, medical checks, insurance set-up and professional fees. You pay these once to get approved.
- Ongoing costs: annual insurance renewals, visa maintenance and living costs. These recur for as long as you hold the visa and matter for long-term budgeting.
Confusing these three is the most common budgeting mistake applicants make. Seeing a large deposit figure can be alarming until you realise most of it remains yours, while underestimating the recurring costs can leave people surprised in later years.
Why Your Tier Changes Everything
MM2H is structured in tiers, and the tier you qualify for is the single biggest driver of your total cost. Higher tiers require larger fixed deposits and higher income thresholds but often come with additional benefits and flexibility, while lower tiers reduce the capital you need to park but may carry different conditions. When you change the tier in the calculator, watch how the deposit and totals shift — this is often the clearest way to see which tier realistically fits your finances.
How to Use Your Results Next
Once you have an estimate, the practical next steps are straightforward:
- Sanity-check the fixed deposit against your available liquid funds — remember it must sit in a Malaysian bank account in your name.
- Add a buffer for exchange-rate movement, since the deposit is dollar-denominated.
- Separate the one-off costs from the recurring ones so you can plan both your upfront outlay and your annual budget.
- Use the total as a basis for comparing agent quotations — if a quote is far above your estimate, ask exactly what the difference covers.
- When you are ready, take your estimate to a licensed agent for a precise, current quotation tailored to your situation.
Frequently Asked Questions
Is the calculator’s figure a guaranteed price?
No. It is a planning estimate based on published thresholds and typical costs. Exchange rates, third-party charges and your individual circumstances mean your actual figure will vary, so always confirm with a licensed agent and your bank before committing.
Does the estimate include the fixed deposit in the total?
Yes, but remember the deposit is largely your own money held on your behalf, not a fee. It is useful to look at your total both with and without the deposit so you understand your true spend versus your parked capital.
Why is everything quoted partly in US dollars?
The MM2H financial thresholds are set in US dollars, so the ringgit equivalent shifts with the exchange rate. This is why the calculator gives an estimate and why building in a currency buffer is sensible.
What should I do if my funds are just below a tier threshold?
Speak to a licensed agent before assuming you do not qualify. There may be a different tier that fits, or timing considerations worth understanding. An honest agent will tell you clearly rather than take a fee for an application unlikely to succeed.
Related Articles
- MM2H Requirements & Costs 2026
- MM2H Total Cost Breakdown: The Real All-In Figure Over 5 Years
- How to Apply for MM2H in 2026: Step-by-Step Application Guide
This tool provides estimates only and does not constitute financial or immigration advice. Confirm current figures with a MOTAC-licensed agent before applying.
