A reference budget that provides an expenditure guide for understanding the minimum monthly expenses required by different households to achieve a reasonable standard of living.
Belanjawanku is an expenditure guide providing estimated minimum monthly expenses for different household categories in Malaysia.
It is developed based on the actual spending patterns on common goods and services by urban households in Malaysia.
Belanjawanku is not simply about meeting basic needs. It is designed to reflect the expenditure required to support a reasonable standard of living, including participation in family and community activities.
A reference budget provides a practical guide to household expenditure and supports a better understanding of the cost of maintaining a reasonable standard of living.
Provides estimated minimum monthly expenses for different household categories.
Based on actual spending patterns on common goods and services by urban households in Malaysia.
A reasonable standard of living goes beyond basic survival. It recognises the importance of financial security, social participation and personal wellbeing.
Having enough money to meet basic needs.
Being involved in community activities and gatherings of families and friends.
Living a purposeful and meaningful life.
The development of Belanjawanku was motivated by concerns about financial wellbeing and the challenges individuals and households face in managing their finances.
Low savings, debt, vulnerabilities and inadequate financial preparedness.
Low financial literacy and the rising cost of living.
Poverty, low quality of life, debt and financial stress.
Belanjawanku provides useful reference information for policymakers, institutions, individuals and financial service providers.
Last Update: 06/11/2026