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Take-home pay calculator Malaysia

Your monthly pay after EPF, SOCSO and EIS, your bonus after EPF, and your income tax for the year, from KWSP, PERKESO and LHDN rates.

Quick answer: on RM4,000 a month, a Malaysian under 60 pays RM440 EPF (11%), RM20 SOCSO and RM8 EIS, leaving RM3,532 before tax. The employer adds RM520 EPF, RM70 SOCSO and RM8 EIS. Income tax for the year, with a one-month bonus and the basic reliefs, is about RM820.

MalaysiaEPF, SOCSO and EIS rates, 2026LHDN resident ratesNothing you enter leaves your browser

Your pay

Enter your gross monthly pay before deductions. Add your yearly bonus separately, in months of pay.

How it is calculated

EPF, SOCSO and EIS come out of every payslip. Income tax is deducted monthly too (PCB), but the amount here is the year's tax, which is what you settle when you file.

  • EPF: you pay 11% of your wages; your employer pays 13% on wages up to RM5,000 and 12% above. From age 60, you pay nothing and your employer pays 4%. Foreign workers who joined from October 2025 pay 2% each way.
  • SOCSO: 0.5% from you and 1.75% from your employer, on wages up to RM6,000. From 60, only the employer pays, at 1.25%.
  • EIS: 0.2% each from you and your employer, on wages up to RM6,000, until age 60.
  • Income tax: your yearly pay and bonus, less the RM9,000 individual relief, EPF relief up to RM4,000 and SOCSO and EIS relief up to RM350, taxed at LHDN resident rates. A RM400 rebate applies when chargeable income is RM35,000 or less. Non-residents pay a flat 30% with no reliefs.
  • Approximation: KWSP and PERKESO publish contribution tables by wage band, so the exact payslip figure can differ by a ringgit or two from the percentages here.
  • Not included: other tax reliefs (spouse, children, parents, medical, lifestyle, education), zakat, and loan or union deductions. These would lower your tax or take-home.

Contribution rates

A citizen under 60 earning RM4,000 pays RM440 EPF, RM19.75 SOCSO and RM7.90 EIS a month. The employer adds RM520, RM69.15 and RM7.90.

SchemeYou payEmployer paysOn wages up to
EPF, under 6011%13% (12% if wages above RM5,000)No ceiling
EPF, 60 and above0%4%No ceiling
EPF, foreign worker (from Oct 2025)2%2%No ceiling
SOCSO, under 600.5%1.75%RM6,000
SOCSO, 60 and above0%1.25%RM6,000
EIS, under 600.2%0.2%RM6,000

Sources: KWSP, employer mandatory contribution and non-Malaysian employee pages; PERKESO, rate of contribution (ceiling RM6,000 from 1 October 2024) and employed worker pages. Checked 17 October 2026.

Income tax rates

The first RM5,000 of chargeable income is tax-free. Rates then rise in steps from 1% to 30%.

Chargeable income a yearRate on this bandTotal tax at top of band
First RM5,0000%RM0
RM5,001 to RM20,0001%RM150
RM20,001 to RM35,0003%RM600
RM35,001 to RM50,0006%RM1,500
RM50,001 to RM70,00011%RM3,700
RM70,001 to RM100,00019%RM9,400
RM100,001 to RM400,00025%RM84,400
RM400,001 to RM600,00026%RM136,400
RM600,001 to RM2,000,00028%RM528,400
Above RM2,000,00030%–
Resident individuals, years of assessment 2023 to 2025; no change announced for 2026 income. Source: LHDN, tax rate.
  • Tax residents are people in Malaysia for 182 days or more in the year, whatever their nationality.
  • Reliefs used here: individual RM9,000; EPF up to RM4,000; SOCSO and EIS up to RM350. The RM400 rebate applies at chargeable income of RM35,000 or less.

Common questions

How is take-home pay calculated in Malaysia?

Gross salary minus your EPF (11%), SOCSO (0.5% up to RM6,000), EIS (0.2% up to RM6,000) and monthly tax deduction (PCB). This tool shows the year's tax instead of PCB, because PCB depends on the reliefs you declare to your employer.

What is the net salary on RM3,000 in Malaysia?

RM3,000 minus RM330 EPF, RM15 SOCSO and RM6 EIS is RM2,649 a month. With a one-month bonus, chargeable income is about RM25,000 after reliefs and the year's tax is RM300 before the RM400 rebate, so no tax is due.

Why is my PCB different from the tax here?

PCB is your employer's monthly estimate using LHDN's formula and the reliefs you declared on form TP1. The year's tax is settled when you file; the figure here is that yearly amount.

Does my bonus have EPF and SOCSO on it?

EPF yes, at the same rates. SOCSO and EIS are charged on monthly wages up to RM6,000 and not separately on a bonus above that.

Is my employer's EPF part of my salary?

It is paid on top of your gross pay into your EPF account. Offers usually quote gross pay without it.

Sources

KWSP, PERKESO and LHDN
  1. KWSP, Employer mandatory contribution and contribution for non-Malaysian citizen employees.
  2. PERKESO, Rate of contribution; Employed worker (EIS 0.2% and 0.2%).
  3. LHDN, Tax rate; Tax relief; Explanatory notes BE 2025 (RM400 rebate); Non-resident.