Malaysia take-home pay tool

Malaysia Net Salary Calculator 2026

Estimate your monthly salary after EPF, SOCSO, EIS and income tax. Useful for checking payslips, comparing job offers and negotiating with confidence.

Start calculating Compare salaries

EPF + SOCSO + EIS Payroll deductions shown together

Side-by-side Compare increments before negotiating

EN / BM / 中文 Language switch built in

Live estimate

Take-home pay

RM 4,305

Use your offer letter or payslip basic salary. Leave unknown allowance, bonus or relief fields as 0. Your entries stay in this browser only.

Monthly basic salary Fixed monthly allowance Annual bonus EPF employee rate estimate Tax residence Extra annual tax reliefs

Gross monthly RM 5,000

Employee deductions RM 695

Effective take-home 86.1%

Deduction breakdown

The estimate uses percentage-based EPF, simplified SOCSO/EIS and annual tax divided by 12. Actual payroll, PCB/MTD and KWSP schedule amounts can vary.

EPF employee RM 550

SOCSO employee RM 24.75

EIS employee RM 10

Monthly tax estimate RM 110

Tax filing helper

Find possible tax relief savings before you file.

Start with your salary estimate, then add the reliefs you may be eligible to claim. The tool shows estimated tax saved, unused claim room and which areas are worth checking first.

Use receipts only Key in amounts you actually paid and can support with documents.

Caps are not targets A RM3,000 cap means the maximum claim, not an amount everyone should spend.

Planning estimate Final eligibility depends on LHDN rules for the relevant assessment year.

Estimated tax saving

RM 0

Annual income used RM 60,000

Base relief counted RM 13,000

Tax after claims RM 0

Before you include a relief, check these first

Paid by you: the amount should normally be an actual payment you made, not just a quote, unpaid bill or employer-paid benefit.
Correct person: check whether the relief is for yourself, spouse, child, parent, grandparent or your own policy/account.
Proof available: keep receipts, invoices, statements or certificates that show the amount, date, payee and purpose.
Right tax year: claim expenses paid within the assessment year you are filing for.
Name details match: where possible, keep documents under your name or clearly connected to the eligible person you are claiming for.

Income source

Use salary calculator values Enter annual income manually

Other relief already planned Annual income estimate EPF relief estimate Use the salary calculator mode if you want this estimated automatically.

Parents medical / care Up to RM8,000. Medical, dental, special needs or carer expenses. Commonly check: parent or grandparent relationship, medical certification where required, complete medical examination sub-limit, and receipts showing the treatment or care cost. Medical / health expenses Up to RM10,000. Check eligible serious disease, check-up and health items. Commonly check: whether the expense is for self, spouse or child, whether it falls under eligible medical categories, and whether you have clinic or hospital receipts. Education / upskilling Up to RM7,000. Self education and approved upskilling claims. Commonly check: the course is for yourself, the institution or course type is eligible, payment was made in the tax year, and the receipt is in your name. Life insurance / family takaful Shares a RM3,000 bucket with additional voluntary EPF. Commonly check: annual premium statement, policy owner or covered person, family takaful eligibility, and premium actually paid in the assessment year. Additional voluntary EPF May help fill the RM3,000 life insurance / takaful / additional voluntary EPF bucket. Commonly check: KWSP contribution statement, payment credited to your EPF account, annual voluntary contribution limit, and whether the contribution is valid for the tax year. PRS / deferred annuity Up to RM3,000. Useful if you already plan to save for retirement. Commonly check: contribution statement, account holder name, payment date, and whether the contribution is to an eligible PRS or deferred annuity product. Education / medical insurance Up to RM4,000. Premiums for eligible education or medical policies. Commonly check: annual insurance statement, policy type, policy owner or insured person, and the premium actually paid during the year. SOCSO contribution Up to RM350. Usually from employee SOCSO contributions. Commonly check: payslip or annual EA form, employee contribution amount, and avoid counting employer contributions as your own claim. EV charging / composting Up to RM2,500. Only for eligible personal-use facilities or machine. Commonly check: not for business use, invoice or receipt details, installation or machine description, and whether the item fits the current LHDN relief wording. First home loan interest Up to RM7,000 or RM5,000, depending on eligible home price. Commonly check: first home ownership conditions, sale and purchase agreement date, property price band, housing loan interest statement, and your share if jointly owned.

Total reliefs counted RM 0

Unused claim room RM 39,850

Possible extra saving if eligible RM 0

Next RM100 relief value RM 0

Areas to check first

This is a planning guide, not tax advice. Do not buy something only for tax relief unless it already fits your real needs.

Compare two salaries

Compare salaries and see where the difference goes.

Compare salary A

With salary B

Try increment:

Gross increase +RM 3,000

Extra take-home +RM 2,429

Kept from increase 81.0%

Monthly item	RM5,000	RM8,000	Difference

Common questions

Useful details before you trust the number.

Is this the exact PCB amount?

No. It is an estimate based on annual taxable income divided by 12. Payroll systems may calculate PCB differently based on benefits, previous income and declared reliefs.

Why does tax jump faster than SOCSO and EIS?

SOCSO and EIS are capped at the RM6,000 wage ceiling in this estimate, while income tax rises with chargeable income under progressive rates.

Should I include allowances and bonus?

Add fixed monthly allowances if they are part of recurring pay. Annual bonus affects the tax estimate but is not counted as normal monthly cashflow.

Is my salary data saved?

No. The calculator runs in your browser and does not send your salary entries anywhere.

Helpful next steps

After you know the number, use it well.

These resources are designed to help with the next practical decision: checking payroll items, preparing a negotiation range, or choosing tools that make salary planning easier.

Found something wrong or want to suggest an improvement?

Send a short note without needing my personal phone number, home address or private email. If this site is deployed on Netlify, this form can collect messages privately from the dashboard.

Assumptions

Use this as an estimate, then verify payroll-sensitive details.

EPF employee defaults to an 11% planning estimate for Malaysian / PR employees below age 60. Exact payroll EPF should be checked against KWSP Third Schedule wage bands.
SOCSO and EIS calculations are simplified estimates using PERKESO's RM6,000 wage ceiling guidance.
Resident tax uses LHDN assessment year 2023, 2024 and 2025 progressive rates.
Default resident relief includes RM9,000 personal relief plus estimated annual EPF relief limited to RM4,000.
Tax relief optimisation uses selected LHDN Year of Assessment 2025 individual relief caps and should be checked against your actual eligibility before filing.

KWSP EPF rates PERKESO contribution rates PERKESO EIS guidance LHDN tax rates LHDN tax reliefs