Hi, this month not sure whether my script salah or not, but here's my transactions:-

Initial amount in account - RM106144.80
Previous month MAB - RM106164.18

1st May - RM75 total billl paid (RM25 times 3)
1st May - Transfer in RM5075 from other bank
1st May - Transfer out RM4000 from other bank
5th May - Convert RM3000 out
5th May - Convert back to RM2983.38
5th May - Transfer in RM16.62 from other bank
7th May - Receive bonus interest RM524.48
7th May - Transfer out RM523.40 to other bank

According to RHB app, my MAB is 'lacking' RM12.66
My own calculation is that MAB for May will be RM107164.187097 (exactly enough)
Your webapp says projected MAB RM107145.67 (need RM34 more to be deposited today)

If your is correct, wonder where my mistake is...

Oh and just realised your webapp says target is RM1001 (rather than RM1000)?

This post has been edited by LostAndFound: May 14 2026, 02:08 PM

so you still continue to top up MAB RM1000 even the extra RM7164 is without interest?
Still worth it if compare to reset it to below 100k which you may loss 0.6%?

Easy to calculate the opportunity cost

Monthly interest about 540+ ringgit.

If drop by 0.6% will be about 500 ringgit or so (haven't calculated exactly).

Opportunity cost for 7000 at 4% (let's say you put in KDI save) is 20+ ringgit per month.

A few more months I'll drop back to 99k or so. Maybe in July.

for 0.6% 100K - you got RM50.96 (31days) or RM49 (30days) extra.

for a FD to have this interest (let say you got 4% annum). break even point , it need 15K

for 4% 15K - you got RM50.96 (31days) or RM49.32 (30days).

thus if you got 4% FD, you need to reset it when more that MAB 115k. and reset to 100k, 99k you still lose 1k for 6% = rm5.1 (31days)

lower than 15K, you 0% money inside still generate min 4% interest.

this is my penny wise advise!

This post has been edited by xiaoxiaoshen: Today, 02:52 PM

deposit rm40 today