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Quick calculator guide

How to use Detailed LHDN Income Tax Optimiser

Calculate your annual Malaysia income tax with 2026 relief checklists and get tailored optimization tips. Results are educational estimates, not official approval or advice.

  1. 1

    Enter annual income and eligible reliefs

    Use the correct assessment year, tax residency and family status, then add only reliefs supported by receipts or records.

  2. 2

    Trace chargeable income to tax payable

    Review total reliefs, chargeable income, progressive tax bands, rebates and estimated tax in order.

  3. 3

    Test documented relief choices

    Add or remove one eligible relief or income source to understand its marginal effect without double counting.

Before relying on the result

  • Verify assessment year, residency, taxable benefits, relief eligibility and receipts against current LHDN guidance.
  • Notice the rate date and assumptions stated on the page.
  • Confirm important decisions with the relevant bank, employer, or authority.
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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

Individual & Self ReliefRM9,000.00
EPF Relief (Self)RM4,000.00
Life Insurance ReliefRM2,000.00
Medical Expenses ReliefRM1,500.00
Lifestyle ReliefRM1,200.00
SOCSO Contribution ReliefRM350.00

Tax Rate Analysis

Marginal Rate11%
Effective Rate3.02%
Your marginal rate is 11%. This means each additional RM1,000 in tax relief saves you RM 110 in taxes.

Optimization Suggestions

Maximize these underutilized reliefs to drop your tax payable legally.

Medical Expenses-Save RM 935

Claim medical checkups, vaccination, or full health screening up to RM10,000. (Save up to RM 935)

RM 1,500 claimedCap RM 10,000
SSPN Savings-Save RM 880

Deposit into SSPN account for children education fund up to RM8,000. (Save up to RM 880)

RM 0 claimedCap RM 8,000
PRS Contribution-Save RM 330

Contribute to Private Retirement Scheme (PRS) up to RM3,000. (Save up to RM 330)

RM 0 claimedCap RM 3,000
EV Charging Facilities-Save RM 275

Claim costs for EV charger purchase or installation up to RM2,500. (Save up to RM 275)

RM 0 claimedCap RM 2,500
Lifestyle Relief-Save RM 143

Maximize books, gym memberships, and tech purchases up to RM2,500. (Save up to RM 143)

RM 1,200 claimedCap RM 2,500
AI Tax Check

A Pro score that checks whether your tax reliefs look well used.

AI verdict

ROOM TO IMPROVE

Score 58/100

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

Tax payable

RM 2,264.5

Effective rate

3.02%

Relief usage

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.

Current calculator result10 shared answers or calculations / monthEducational tips only

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

Frequently Asked Questions

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