Take-home pay calculator

How much of your salary actually lands in your bank account? Enter a monthly salary to see what's left after EPF, SOCSO, EIS and income tax.

Monthly salary (RM)Marital statusChildren under 18

Estimated take-home pay

RM 4,307.10 / month

86% of your gross salary · RM 51,685.20 a year

Gross salary: RM 5,000.00
EPF (11%)Your retirement savings; you can withdraw it later: − RM 550.00
SOCSO: − RM 24.75
EIS: − RM 9.90
Income tax (PCB)Monthly tax deduction, an estimate: − RM 108.25

Your employer also puts RM 650.00 a month into your EPF, on top of your salary.

Estimate for a Malaysian citizen or PR under 60, with a fixed monthly salary and no other income or tax reliefs. Your actual payslip may differ.

Where the money goes

EPF (KWSP), 11%

Your retirement savings. It's deducted from your salary but it's still your money: it sits in your EPF account, and your employer adds a further 12–13%.

SOCSO (PERKESO), about 0.5%

Social security that covers you if you're injured or become unable to work. Calculated on salary up to RM 6,000, so it's never more than about RM 30 a month.

EIS (SIP), about 0.2%

Employment insurance that pays you for a while if you lose your job. Also capped at a RM 6,000 salary, so at most about RM 12 a month.

PCB (monthly tax deduction)

Your income tax, taken in monthly instalments. It depends on your yearly income and tax reliefs; many people earning up to about RM 3,500 a month pay little or none.

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About this estimate

It assumes you're a Malaysian citizen or permanent resident under 60 and a tax resident, paid a fixed monthly salary with no bonus, commission or allowances. It uses the standard personal relief, EPF and SOCSO/EIS reliefs, and optionally spouse and child relief. Other reliefs you might claim (for example lifestyle, medical or education) would lower your tax further.

Your employer's payroll uses LHDN's official PCB formula and the contribution tables from EPF and PERKESO, so your payslip may differ slightly. Rates are reviewed each Budget.