Pre-launch early tester programme
Before you buy the property, make sure the numbers make sense.
Know the real capital, the monthly cash flow and the return on a Malaysian property before you commit. Be among the first to test AngkaHarta before public launch.
We’ll only use your email for tester access and AngkaHarta launch updates.
- 3 analysis credits
- No payment required
- Help shape AngkaHarta before launch
Decision-support analytics based on your own inputs and assumptions. Not financial or investment advice.
Highest-IRR Scenario
Buy – Hold – Sell
Maximum projected IRR is 17.6% in Year 7.
- Net Cash Required
- RM 68,466
- Monthly Cash Flow
- RM -605
- Monthly Instalment
- RM 2,201
Holding period comparison
Projected IRR by exit year, Year 1–10, based on the assumptions entered.
Early tester programme
Why join as an early tester?
- 1
Test the full AngkaHarta property analysis experience
- 2
Receive 3 analysis credits
- 3
Help shape the product before public launch
We’ll email selected testers with testing-build access and instructions when the tester cohort is ready.
Real product flow
See the actual workflow, step by step.
Screens from the AngkaHarta app, in the order you use them: what each step asks for and what it produces.
- Actual AngkaHarta app screen
Property
Capture the deal as it is actually offered.
- Actual AngkaHarta app screen
Costs & Financing
Every ringgit that leaves your pocket.
- Actual AngkaHarta app screen
APOD & Projection
Annual operating data, projected forward.
- Actual AngkaHarta app screen
Decision
Scenario comparison you can inspect.
Screens captured from the AngkaHarta Android app. Figures shown are example inputs, not a recommendation or a projected return.
The gap
A good story is not the same as a good set of numbers.
Property marketing focuses on location, developer, rental demand and appreciation. As an investor you still have to work out the actual capital required, the monthly top-up, the financing burden and what the returns look like under realistic scenarios.
Marketing sells the story
Location, developer track record, rental demand and appreciation are all upside narrative. None of them tell you what the deal costs you.
The real capital is hidden
Down payment, legal fees, stamp duty, loan documentation, renovation and furnishing add up long before the first rental cheque arrives.
Monthly top-up is a surprise
Instalment, maintenance, sinking fund, assessment, insurance and vacancy decide whether you fund the property every month, or it funds itself.
Returns are guessed, not modelled
Without IRR, NPV and an exit scenario across holding periods, 'good investment' is an opinion rather than a number you can inspect.
How it works
Four steps, one structured analysis.
The app walks the same sequence a disciplined investor would follow on paper, then does the arithmetic consistently.
- 1
Property
Enter the property, purchase price, discounts and financing structure.
- 2
Costs
Capture upfront transaction costs, renovation and recurring operating expenses.
- 3
APOD & Projection
Build the annual property operating data and project cash flow across your holding period.
- 4
Decision
Review the scenario comparison and see which holding strategy performs best under your assumptions.
What you get
The metrics that decide whether a deal holds up.
Every completed analysis returns the same structured output set, so two properties can be compared on identical terms.
Net cash required
Total capital you must put in before the property is operating.
Monthly cash flow
Rental income after instalment and all recurring operating costs.
Monthly instalment
Financing repayment from your loan margin, rate and tenure.
IRR
Annualised return implied by the projected cash flows.
NPV
Present value of projected cash flows against your discount rate.
Cash-on-Cash Return
Annual pre-tax cash flow measured against the cash you invested.
Debt Coverage Ratio
How comfortably net operating income covers the loan repayment.
Rental yield / ROI
Gross and net yield alongside return on the capital deployed.
Exit scenarios
Holding-period comparison showing how returns shift by exit year.
All outputs depend entirely on the inputs and assumptions you supply. Adjust an assumption and the analysis changes with it.
Sample decision
Scenario comparison, not a recommendation to buy.
AngkaHarta compares holding and exit scenarios and identifies the strongest projected outcome under the assumptions you supplied. It does not tell you which property to buy, and it does not evaluate anything you did not enter.
- Net cash required
- RM 68,466
- Monthly cash flow
- RM -605
- Monthly instalment
- RM 2,201
Figures shown are illustrative only and do not represent any actual property, offer or projected result.
Highest-IRR Scenario
Buy – Hold – Sell
Maximum projected IRR
17.6%
achieved with an exit in Year 7
- Holding periods comparedYear 1 – 10
- Cash-on-Cash Return (Yr 1)-1.1%
- Debt Coverage Ratio0.82
About AngkaHarta
Why AngkaHarta was built.
Property is usually sold through a story: the location, the developer, the rental potential, the upside. Those stories are not wrong, but they are not numbers.
Before committing, an investor still has to work out the actual cash required, the monthly cash flow after financing and operating costs, the impact of the loan structure, and what the return metrics look like across realistic holding and exit scenarios. That work is usually scattered across spreadsheets, or skipped.
AngkaHarta was built as a Malaysia-focused decision-support tool that structures those numbers consistently, using the cost lines and financing practice local buyers actually deal with. It does not recommend properties, it is not financial or investment advice, and it promises no returns — it shows you what your own assumptions imply.
Built around Malaysian practice
The workflow follows the cost lines, financing structure and transaction items Malaysian property buyers actually deal with.
Transparent inputs and assumptions
Every figure traces back to something you entered. Nothing is hidden behind an opaque score.
One structured analysis
Capital, cash flow, financing and return metrics live in a single consistent report instead of scattered spreadsheets.
Plans available at launch
Three plans when AngkaHarta goes live.
Credits are consumed only when an analysis is completed. Purchase is not available today — plans below are what will be offered at launch.
Free
Free
3 Property Analysis Credits
Try the full workflow
- New registered users
- No payment required
- 1 completed analysis = 1 credit
- Full metric set on every analysis
Best for testing AngkaHarta on your first property.
Starter
RM15
5 Property Analysis Credits
RM3.00 per analysis
- 1 completed analysis = 1 credit
- One-off credit pack
- No subscription / no auto-renewal
- Compare a shortlist of properties
Best for a single active property search.
Pro
RM39
20 Property Analysis Credits
RM1.95 per analysis + Playbook
35% lower per analysis than Starter, plus the Playbook.
Includes the Property Investment Metrics Playbook
An investor education companion explaining how to read and apply cash required, rental yield, financing impact, cash flow, CoCR, DSCR/DCR, NPV, IRR, ROI/ROE, stress scenarios and exit outcomes.
- 1 completed analysis = 1 credit
- One-off credit pack
- No subscription / no auto-renewal
Best for comparing multiple deals and learning the metrics.
Plans go live at public launch. Early testers get 3 analysis credits during the testing phase.
- Full analysis workflow: property, costs, APOD, projection, decision.
- Complete metric set on every analysis, including IRR, NPV, CoCR and DCR.
- Exit scenario comparison across your chosen holding periods.
- Save reports and revisit the assumptions behind each result.
Included with Pro
The Property Investment Metrics Playbook.
A companion guide to the same metrics AngkaHarta produces, so the output is something you can interpret rather than just read.
Property Investment Metrics Playbook
How to read and apply the numbers behind a property decision.
Inside the playbook
- Cash Required
- Rental Yield vs Cash Flow
- Financing Impact
- CoCR
- DSCR / DCR
- NPV & IRR
- ROI & ROE
- Stress Testing
- Exit Decisions
Educational reference material only. It explains how each metric is calculated and interpreted — it is not financial or investment advice and does not promise any return.
FAQ
Questions worth answering before you download.
Is AngkaHarta investment advice?
No. AngkaHarta is an analytics and decision-support tool. It structures the numbers you enter into standard investment metrics so you can assess whether a deal makes sense. It does not advise you, recommend properties, or act as a licensed financial adviser.
What does one analysis credit cover?
One completed property analysis uses one credit. That covers the full workflow for a property: inputs, cost breakdown, APOD, projection and the decision summary, which you can save and review afterwards.
Can I compare more than one property?
Yes. Run a separate analysis for each property and compare the saved reports side by side. Each completed analysis consumes one credit.
What inputs affect the result?
Purchase price, discounts and rebates, loan margin, interest rate and tenure, upfront and transaction costs, rental income, vacancy, operating expenses, appreciation and exit assumptions. Change any of these and the projected outcome changes.
Does AngkaHarta guarantee returns?
No. Every figure is a scenario-based projection derived from the assumptions you supply. Real market conditions, financing terms and rental performance will differ from any projection.
Where can I get the Android app?
The Android release is being prepared for Google Play. The download link will appear on this page as soon as the listing is live.
Early tester list
Join the AngkaHarta Early Tester List
Email only, 3 analysis credits, no payment. After you join, we’ll email selected testers with testing-build access and instructions when the tester cohort is ready.
We’ll only use your email for tester access and AngkaHarta launch updates.
Test AngkaHarta before public launch.
We are onboarding a limited group of early testers first. Public Google Play availability follows the tester phase.
Not yet publicly available on Google Play. Early testers get access to the testing build first.