Salary Calculator Malaysia (Take Home Pay) 2026

Calculate Salary, EPF, SOCSO, EIS and PCB Contributions for FREE.

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What are the components of a salary calculator?

Calculating your take-home pay involves subtracting all statutory deductions from your total earnings. Use this standard formula to verify your payslip.

Net Salary = Gross Salary – Total Deductions
Standard Malaysian payroll calculation logic

Total Deductions typically include contributions to EPF, SOCSO, EIS, and PCB (Monthly Tax Deduction).

Salary Terms Comparison

Quick reference guide to the most common statutory terms found on Malaysian payslips.

Term Description Impact on Net Pay
EPF (KWSP) Employee Provident Fund for retirement savings. Reduces current net pay; increases long-term savings.
SOCSO (PERKESO) Social security protection for workplace injuries. Small deduction for comprehensive insurance coverage.
EIS (SIP) Employment Insurance System for job loss protection. Minimal deduction to provide a safety net during unemployment.
PCB (MTD) Monthly Tax Deduction for income tax payments. Varies based on your specific annual income bracket.

Contribution Tables (2026 Updated)

Quick reference for employer and employee statutory contribution rates in Malaysia.

EPF (KWSP)
SOCSO (PERKESO)
EIS
Salary Range Employee (%) Employer (%)
≤ RM5,000 11% 13%
> RM5,000 11% 12%
Monthly Wages (RM) Employee (RM) Employer (RM) Total (RM)
RM1,000 – RM2,000 4.75 16.65 21.40
RM3,000 – RM4,000 14.75 51.65 66.40
RM5,000 – RM6,000 24.75 86.65 111.40
RM6,000 29.75 104.15 133.90
> RM6,000 30.00 105.00 135.00
Salary Range (RM) Employee (RM) Employer (RM) Total (RM)
Up to 300 0.50 0.50 1.00
2,000 – 2,100 4.10 4.10 8.20
4,000 – 4,100 8.10 8.10 16.20
4,900 – 5,000 9.90 9.90 19.80
> 6,000 11.90 11.90 23.80

Salary Inclusions & Exclusions

A precise breakdown of which salary components are subject to statutory deductions.

1. EPF (KWSP)

✓ Included Items
  • Basic salary
  • Bonuses and incentives
  • Commissions
  • Allowances (unless exempted)
  • Arrears of wages
✕ Excluded Items
  • Service charges
  • Overtime payments
  • Gratuity and retirement benefits
  • Travel allowances

2. SOCSO & EIS

Both SOCSO and EIS follow the same definition of "wages" for contribution purposes.

✓ Included Items
  • Basic salary
  • Overtime payments
  • Commissions and service charges
  • Paid leave payments
  • Fixed or variable allowances
✕ Excluded Items
  • EPF contributions
  • Traveling allowances
  • Gratuity and retirement benefits
  • Annual bonus

PCB (Monthly Tax Deduction) – Exact Amounts

Exact monthly PCB deduction for a single Malaysian citizen with standard RM9,000 individual relief. Use the calculator above for your exact amount.

Monthly Salary PCB Deduction
RM 2,000 RM 6.13
RM 3,000 RM 20.10
RM 5,000 RM 97.00
RM 8,000 RM 410.30
RM 10,000 RM 748.50
RM 15,000 RM 1,850.00

PCB applies to all salary levels including RM2,000 and below. Amount varies based on marital status, number of children, and additional tax reliefs. All figures based on 2026 LHDN rates.

Understanding Your Yearly Income Tax

Monthly Salary RM5,000
Total Yearly RM60,000
Estimated Tax ~RM1,500/yr

Calculation Logic: With a yearly income of RM60,000, you get a standard RM9,000 personal relief. Your taxable income becomes RM51,000, which falls into the 8% bracket.

⚠️
Important Notice
PCB is only an estimate. The actual amount depends on individual tax reliefs, marital status, and total income combinations. Always use our calculator for precision.

Tax Relief & Compliance

Common allowable tax deductions to reduce your taxable income.

EPF Contribution Statutory
SOCSO Contribution Statutory
Lifestyle Relief Up to RM2,500
Medical Expenses Up to RM10,000
Education Fees Up to RM7,000
Insurance / Takaful Up to RM3,000
📅
Submission Deadlines
EPF, SOCSO, and EIS contributions must be submitted on or before the 15th of the following month. Late payments result in stringent penalties (e.g., +10% late payment fines).

How Your Salary is Calculated – RM5,000 Example

Want to understand exactly what gets deducted from your payslip? Here is a real example using a gross monthly salary of RM5,000, calculated using 2026 official government rates. This example applies to a single Malaysian citizen under 55 years old.

What Gets Deducted From You (Employee)

Item Calculation Amount
Gross Monthly Salary — RM 5,000.00
EPF 11% of RM5,000 - RM 550.00
SOCSO Official PERKESO table - RM 7.50
EIS Official PERKESO table - RM 10.00
PCB (Tax) Progressive rate - RM 97.00
Take Home Pay RM 4,335.50

What Your Employer Pays On Top

Item Calculation Amount
EPF Employer 13% of RM5,000 + RM 650.00
SOCSO Employer Official PERKESO table + RM 70.25
EIS Employer Same as employee rate + RM 10.00
Total Cost to Employer RM 5,730.25

Your employer pays an extra RM730.25 on top of your salary every month — this never appears on your payslip but is the real cost of hiring you.

How PCB RM97.00 Was Worked Out

  1. Monthly salary after EPF: RM5,000 − RM550 = RM4,450
  2. Annualise it: RM4,450 × 12 = RM53,400
  3. Deduct individual relief: RM53,400 − RM9,000 = RM44,400 taxable income
  4. Tax on first RM5,000: 0% = RM0
  5. Tax on next RM15,000: 1% = RM150
  6. Tax on next RM15,000: 3% = RM450
  7. Tax on remaining RM9,400: 6% = RM564
  8. Total annual tax: RM1,164 ÷ 12 = RM97.00/month

Minimum Wage Malaysia 2026

Malaysia's minimum wage is RM1,700 per month, effective 1 February 2025 under the Minimum Wages Order 2024. This applies to all private sector employees nationwide including part-time and foreign workers.

Category Current Rate
Monthly RM 1,700.00
Daily (26 working days) RM 65.38
Hourly (8 hours/day) RM 8.17
Effective Date 1 February 2025

Minimum Wage History:

Year Rate Notes
2013RM 900First national minimum wage
2016RM 1,000+11%
2018RM 1,050Unified nationwide
2019RM 1,100+4.8%
2020RM 1,200+9.1%
2022RM 1,500+25%
Feb 2025RM 1,700+13.3%

Take Home Pay at RM1,700:

Item Amount
Gross SalaryRM 1,700.00
EPF (11%)- RM 187.00
SOCSO- RM 8.25
EIS- RM 3.40
PCBRM 0.00
Take Home PayRM 1,501.35

No PCB deduction applies at RM1,700 for a single Malaysian with standard individual relief.

Malaysia Income Tax Rate 2026

Malaysia uses a progressive tax system. Rates range from 0% to 30% for tax residents. Non-residents pay a flat 30% on all income. Your PCB deduction is calculated based on these brackets every month.

Chargeable Income Bracket Rate (%)
First RM5,0000%
RM5,001 – RM20,0001%
RM20,001 – RM35,0003%
RM35,001 – RM50,0006%
RM50,001 – RM70,00011%
RM70,001 – RM100,00019%
RM100,001 – RM400,00025%
RM400,001 – RM600,00026%
RM600,001 – RM2,000,00028%
Above RM2,000,00030%

Monthly PCB Quick Reference:

Monthly Salary Estimated PCB
RM 2,000RM 6.13
RM 3,000RM 20.10
RM 5,000RM 97.00
RM 8,000RM 410.30
RM 10,000RM 748.50
RM 15,000RM 1,850.00

Note: Based on single status, Malaysian resident, RM9,000 individual relief only.

Malaysia Tax Relief 2026 – Complete List

Tax reliefs reduce your chargeable income and lower your PCB deduction. The more reliefs you claim, the less tax you pay each month.

Relief Type Maximum Amount (RM)
Individual ReliefRM 9,000
Spouse Relief (non-working)RM 4,000
Child below 18 (per child)RM 2,000
Child in higher education (per child)RM 8,000
EPF ContributionUp to RM 4,000
Life InsuranceUp to RM 3,000
Medical & DentalUp to RM 10,000
Education Fees (self)Up to RM 7,000
Lifestyle (books, internet, sports)Up to RM 2,500
Electric Vehicle ChargingUp to RM 2,500
SOCSO ContributionUp to RM 350
ZakatActual amount
Breastfeeding EquipmentUp to RM 1,000
Childcare FeesUp to RM 3,000
SSPN Net DepositUp to RM 8,000

Reliefs are claimed when you file your annual income tax return via MyTax e-Filing portal. The more reliefs you claim, the lower your taxable income and monthly PCB deduction.

Frequently Asked Questions

How accurate are these calculations?

All calculations strictly adhere to official schedules published by statutory government bodies:

  • Statutory Accuracy: Follows exact contribution tables and formulas from KWSP (EPF), PERKESO (SOCSO & EIS), and LHDN (PCB income tax).
  • Latest Rates: Updated for the current tax year including wage ceilings and tax relief brackets.
Note: Results are estimates. Actual payslip amounts may vary slightly due to company-specific allowance taxability, individual relief claims, or special exemptions.
Is my salary data saved anywhere?

No. Your privacy is fully guaranteed during every session:

  • Client-Side Processing: Every calculation runs 100% locally inside your browser.
  • Zero Data Stored: We maintain 0 data stored — no tracking, database logging, or external analytics on your financial inputs.
  • Complete Confidentiality: Your salary details never leave your device.
What should I enter as gross salary?

Gross salary represents total pre-deduction earnings:

  • Base Monthly Pay: Enter your basic salary before any statutory deductions.
  • Fixed Allowances: Include recurring fixed monthly allowances (e.g., transport, housing, position allowances).
  • Variable Earnings: Exclude one-off bonuses or irregular overtime; use the dedicated Bonus / Allowance input fields for variable pay.
Why is my PCB showing RM0?

Monthly Tax Deduction (PCB) only applies once chargeable income exceeds mandatory income thresholds:

  • Single Individuals: Income after EPF must exceed RM 2,851 / month.
  • Married Individuals: Threshold rises to RM 3,851 / month (with non-working spouse).
  • Tax Relief Reductions: Personal, medical, and child tax reliefs further lower your monthly PCB deduction.
Important: Even if your monthly PCB deduction is RM 0, you may still need to file an annual income tax return with LHDN via MyTax if your total annual income exceeds RM 34,000.
Why does SOCSO stop at RM6,000?

Statutory contributions for social security have a fixed maximum threshold:

  • Statutory Wage Ceiling: Both PERKESO (SOCSO) and EIS contributions are capped at the RM 6,000 wage limit.
  • Capped Rate: Earnings above RM 6,000 / month pay the exact same fixed maximum contribution as an RM 6,000 salary.
  • Updated Regulation: The ceiling was enforced by PERKESO in October 2024 (up from RM 5,000).
Does this calculator work for foreigners?

Yes. Select Foreigner / Non-Malaysian under Nationality settings:

  • Foreigner EPF Rate: Foreign employees are subject to mandatory EPF contributions at 2% employee + 2% employer.
  • Non-Resident PCB Tax: Charged at a flat 30% rate unless tax residency (182+ days in Malaysia) is established with LHDN.
  • Exemptions: EIS contributions do not apply to foreign employees.
How often are the rates updated?

We continuously maintain alignment with official government policies:

  • Annual Tax Sync: Updated every January to incorporate new Budget tax reliefs and LHDN formulas.
  • Immediate Gazette Sync: Mid-year statutory updates (such as the RM 6,000 SOCSO ceiling or EPF rate updates) are applied immediately upon enforcement by KWSP and PERKESO.
What is the difference between employee and employer contributions?

Statutory contributions are split between payroll deductions and employer costs:

  • Employee Deductions: Subtracted directly from gross salary, reducing your net take-home pay.
  • Employer Contributions: Paid separately by your company directly to KWSP, PERKESO, and EIS without reducing your gross pay.
  • Total Cost of Employment (TCOE): Represents the complete financial expenditure required by an employer (Gross Salary + Employer Statutory Contributions).

Official Government Salary Calculators

For official verification and precise statutory calculations, visit these government portals:

SOCSO Logo

Official SOCSO Website

Official PERKESO contribution reference portal.

Visit SOCSO LHDN Logo

Official LHDN PCB Calculator

Official LHDN PCB tax calculation tool.

Open PCB Calculator EPF Logo

Official EPF Website

Official EPF contribution & savings portal.

Visit EPF

Try Our Other Free Calculators

Free, instant and accurate HR calculation tools for Malaysia.

SOCSO Calculator

Check employee and employer PERKESO & EIS contribution rates.

PCB Calculator

Calculate your monthly tax deduction (MTD) for employees & employers.

EPF Calculator

Calculate EPF (KWSP) employee and employer contribution amounts.

Annual Leave Calculator

Calculate accurate pro-rated annual leave entitlement under Employment Act.

Overtime Pay Calculator

Calculate OT pay according to the Malaysian Employment Act.

Hourly Rate Calculator

Calculate your exact hourly rate, daily rate, and working hour breakdown.

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B40
Current Group
B40
Up to
RM5,249
M40
RM5,250 -
RM11,819
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RM11,820
& above
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M40
RM5,250 - RM11,819
Your Progress
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MY INCOME
JOURNEY 🚀

Tracking my progress towards
a better future

B40
Current Group
B40
Up to
RM5,249
M40
RM5,250 -
RM11,819
T20
RM11,820
& above
Next Goal
M40
RM5,250 - RM11,819
Your Progress
95%
RM 250.00 more to go

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