Detailed LHDN Income Tax Optimiser
Estimate your annual tax, track eligible LHDN tax reliefs, and discover actionable steps to minimize your tax liability legally.
Income & Core Reliefs
Relief cap: RM350
Insurance & Investments
Relief cap: RM4,000
Relief cap: RM3,000
Relief cap: RM3,000
Medical & Lifestyle
Relief cap: RM10,000
Relief cap: RM8,000
Relief cap: RM2,500
Relief cap: RM2,500
Relief cap: RM8,000
Family Dependents
RM2,000 per child
RM8,000 per child
Relief cap: RM3,000
Estimated Income Tax Payable
RM2,264.50
Tax Rate Analysis
Optimization Suggestions
Maximize these underutilized reliefs to drop your tax payable legally.
Claim eligible medical expenses within the RM10,000 overall cap; screening and vaccination have separate sub-limits. (Save up to RM 857.5)
Deposit into SSPN account for children education fund up to RM8,000. (Save up to RM 827.5)
Contribute to Private Retirement Scheme (PRS) up to RM3,000. (Save up to RM 330)
Claim costs for EV charger purchase or installation up to RM2,500. (Save up to RM 275)
Claim eligible books, internet subscriptions and personal tech purchases up to RM2,500. (Save up to RM 143)
A Pro score that checks whether your tax reliefs look well used.
AI verdict
ROOM TO IMPROVE
There is room to reduce tax if the unused reliefs apply to you.
Keep receipts and supporting documents for every relief claim.
58
out of 100
RM 2,264.5
3.02%
24.1%
Main reason
- There is room to reduce tax if the unused reliefs apply to you.
Watch-outs
- There are still unused relief categories with potential tax savings.
How to improve the decision
- Keep receipts and supporting documents for every relief claim.
- Start with Medical Expenses, which has the highest estimated savings.
- Review reliefs before year-end, while there is still time to act.
- Use LHDN guidance or a tax professional for edge cases and eligibility checks.
AI explanation
Sign in to use Pro AI.
Tax planning assistant
Ask Pro AI which relief categories deserve priority and what legal next steps could help lower your tax.
AI will use this context
My income tax plan
Annual income RM75,000, estimated tax RM2,264.5, effective rate 3.02%, total reliefs claimed RM18,050.
Educational planning tips only, not licensed financial advice.
Assumptions
- Tax calculations are based on the Inland Revenue Board (LHDN) 2026 individual tax brackets.
- EPF and Life Insurance reliefs are computed under separate sub-categories (RM4,000 and RM3,000 max respectively).
- Individual tax rebate of RM400 is automatically applied if chargeable income is RM35,000 or below.
This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer
Information last reviewed: 2026-05-27 · Result type: official-rate implementation