Malaysia Salary Calculator — Take-Home Pay After Tax, EPF & SOCSO
Calculate your net salary in Malaysia after income tax, EPF, SOCSO, and EIS deductions.
RM2,000 per qualifying child (higher rates apply for older students — adjust 'Other reliefs' below).
Books, electronics, internet, gym, etc. LHDN cap: RM2,500.
Premiums for medical or education insurance. LHDN cap: RM3,000.
Medical bills paid for your parents. LHDN cap: RM8,000.
SSPN, PRS, life insurance, sports equipment, breastfeeding, childcare, zakat, etc.
- Estimated annual income tax
- RM 2,710.00
- Total tax reliefs claimed
- RM 17,000.00
- Auto reliefs + your inputs (breakdown below).
- Effective tax rate
- 3.47%
- Net annual take-home
- RM 66,206.00
- EPF (yours, 11%)
- RM 660.00
- SOCSO (0.5%)
- RM 30.00
- EIS (0.2%)
- RM 12.00
- Self relief (auto)
- RM 9,000.00
- Fixed RM9,000 per LHDN.
- EPF relief (auto)
- RM 4,000.00
- Maxed (cap RM 4,000.00)
- Spouse relief
- RM 0.00
- RM4,000 available if married & spouse not working.
- Child relief
- RM 0.00
- 0 children × RM2,000.
- Lifestyle relief
- RM 2,500.00
- Maxed (cap RM 2,500.00)
- Medical/education insurance
- RM 1,500.00
- RM 1,500.00 unused (cap RM 3,000.00)
- Parents' medical
- RM 0.00
- RM 8,000.00 unused (cap RM 8,000.00)
- Other reliefs entered
- RM 0.00
- SSPN, PRS, life insurance, zakat, etc.
- · Estimate uses LHDN 2024 tax brackets and standard relief assumptions. Actual PCB may vary.
About this calculator
In Malaysia, your monthly salary is reduced by several mandatory deductions before reaching your bank account. EPF (KWSP) takes 11% of your gross salary by default. SOCSO (PERKESO) takes about 0.5% and EIS takes another 0.2% — both based on actual wages since the RM5,000 wage ceiling was abolished on 1 October 2024. Income tax is calculated on your annual chargeable income — gross salary minus EPF (capped at RM4,000), personal relief (RM9,000), and other reliefs — using progressive tax brackets that range from 0% up to 30%. This calculator uses the LHDN brackets effective for the 2024 assessment year. The output is an estimate intended for personal planning; your actual PCB (monthly tax deduction) may differ slightly because LHDN's PCB schedule applies its own rounding rules and the SOCSO/EIS official tables round to RM5 wage bands.
Formula
Net = Gross − EPF − SOCSO − EIS − (Annual Tax / 12)
Example calculation
Example: RM6,000/month + RM6,000 bonus, single, RM2,500 lifestyle + RM1,500 medical insurance
Annual gross is RM78,000. Reliefs total RM17,000 — personal RM9,000 (auto), EPF capped at RM4,000 (auto), lifestyle RM2,500 (maxed), and medical insurance RM1,500 (RM1,500 of the RM3,000 cap still unused). Chargeable income is RM61,000 → 11% slab: RM1,500 base + RM11,000 × 11% = RM2,710/year. After EPF (RM660), SOCSO (RM30), EIS (RM12) and monthly tax (RM226), take-home is about RM5,072/month.
Frequently asked questions
Sources & references
- LHDN — Individual income tax rates
- PERKESO — SOCSO & EIS contribution tables
- KWSP — Employee contribution rates
Last reviewed: · Reviewed by the CalculatorHub editorial team.