About the Malaysia Salary Calculator
This Malaysia salary calculator turns a gross monthly salary into estimated take-home pay. It deducts your EPF (KWSP) contribution, SOCSO (PERKESO) and EIS, then estimates monthly PCB (MTD) income tax from your yearly tax liability, and also shows what your employer pays on top.
It suits employees comparing offers, checking a payslip or planning around a raise. EPF uses the official Third Schedule wage ranges (RM20 bands up to RM5,000 and RM100 bands above), and SOCSO and EIS use the RM6,000 insured wage ceiling in force since 1 October 2024.
Income tax uses the LHDN resident rates published for YA2023–YA2025 (0% to 30%), assumed unchanged for YA2026 until LHDN lists a new table, the RM9,000 individual relief, EPF relief up to RM4,000, SOCSO/EIS relief up to RM350 and the RM400 rebate when chargeable income is RM35,000 or less. PCB is shown as one-twelfth of the annual tax — actual MTD from your employer’s schedule can differ slightly month to month. Bonuses, benefits-in-kind and zakat are not included.
With the default inputs, the estimated take-home pay (monthly) is RM5,094.06. Change any value above to recalculate instantly.
How to use the malaysia salary calculator
- 1Enter your gross monthly salary.
- 2Choose whether you are below or above age 60.
- 3Add any extra tax reliefs you will claim, such as spouse, children or insurance.
- 4Tick LINDUNG 24 Jam only if you opted in to the voluntary scheme.
- 5Read your monthly take-home pay and the contribution breakdown.
Formula and method
EPF contributions come from the Third Schedule of the EPF Act: for wages up to RM5,000 the contribution is based on the top of each RM20 wage range, and up to RM20,000 on the top of each RM100 range, with each share rounded up to the next ringgit. Below age 60 the employee pays 11% and the employer 13% (12% above RM5,000); from 60 the employer pays 4% only.
SOCSO (Employment Injury and Invalidity, First Category) is 0.5% from the employee and 1.75% from the employer, and EIS is 0.2% each, both based on RM100 wage bands up to the RM6,000 insured ceiling. Income tax applies the resident progressive rates to chargeable income after reliefs, less a RM400 rebate if chargeable income is at most RM35,000. Monthly PCB is approximated as one-twelfth of the annual tax.
- Salary
- Gross monthly salary
- EPF relief
- Employee EPF for the year, capped at RM4,000
- Tax
- Annual income tax after the RM400 rebate where applicable
Worked examples
RM6,000 a month, below 60
EPF is 11% of RM6,000 = RM660 (employer 12% = RM720). SOCSO is 0.5% and EIS 0.2% of the RM5,950 band mid-point: RM29.75 and RM11.90. Chargeable income is RM72,000 − RM9,000 − RM4,000 − RM350 = RM58,650, so tax is RM1,500 + 11% × RM8,650 = RM2,451.50, or about RM204.29 a month.
RM3,250 a month
EPF uses the RM3,240.01–RM3,260 wage range, so contributions are 11% and 13% of RM3,260: RM359 and RM424 (matching KWSP’s own example). Chargeable income is RM39,000 − RM9,000 − RM4,000 − RM273 = RM25,727, giving RM321.81 of tax. Because chargeable income is under RM35,000, the RM400 rebate wipes this out, so no PCB is due and take-home pay is RM2,868.25.
RM15,000 a month with RM6,000 of other reliefs
EPF is 11% of RM15,000 = RM1,650, but only RM4,000 a year counts for relief. Chargeable income is RM180,000 − RM9,000 − RM4,000 − RM350 − RM6,000 = RM160,650. Tax is RM9,400 on the first RM100,000 plus 25% of RM60,650 (RM15,162.50) = RM24,562.50.
Frequently asked questions
What are the EPF contribution rates in 2026?+
For Malaysians and PRs below 60, employees contribute 11% and employers 13% on wages up to RM5,000, or 12% above RM5,000. From age 60 the employee rate is 0% and the employer pays 4%. Amounts follow the Third Schedule wage ranges and are rounded up to the ringgit.
What is the SOCSO and EIS wage ceiling?+
Since 1 October 2024 SOCSO and EIS contributions are based on insured wages up to RM6,000 a month. At the ceiling an employee pays RM29.75 SOCSO and RM11.90 EIS, while the employer pays RM104.15 and RM11.90.
How is PCB calculated?+
PCB (MTD) is the monthly tax deduction your employer makes towards your annual income tax. LHDN’s formula projects your yearly chargeable income from your monthly pay and reliefs, so for a steady salary it is close to one-twelfth of your annual tax.
What are the income tax rates for Malaysian residents?+
Resident rates for YA2023 to YA2025 start at 0% on the first RM5,000 and rise through 1%, 3%, 6%, 11%, 19%, 25%, 26% and 28% to 30% above RM2 million of chargeable income.
Which tax reliefs does this calculator include?+
It applies the RM9,000 individual relief, EPF relief up to RM4,000 and SOCSO/EIS relief up to RM350 automatically. Add other reliefs such as spouse (RM4,000), children, life insurance, medical or lifestyle relief in the other reliefs box.
Is LINDUNG 24 Jam compulsory?+
According to PERKESO, contributions to the LINDUNG 24 Jam non-employment injury scheme are voluntary for local employees and borne by the employee, starting at 0.75% of insured wages. It remains mandatory for foreign workers under existing rules.
Tax results are estimates based on published rules and simplified assumptions. They are not tax advice — check official guidance or a tax professional for your situation.