Estimate your monthly take-home pay after EPF, SOCSO, EIS and optional income tax.
Default is 11%
Optional for local workers since 9 July 2026; mandatory for foreign workers.
Estimated Take-Home Pay
RM4,415.00
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: 2026-07-17 · Result type: user-input estimate
When you receive a monthly salary in Malaysia, your gross pay is subject to several official deductions before it lands in your bank account. These statutory contributions are managed by federal bodies to secure retirement savings, medical coverage, and employment safety nets.
The Employees Provident Fund is a compulsory retirement savings scheme. For Malaysian employees below age 60, the standard employee rate is 11% of monthly wages, while employers add 13% (for salaries ≤ RM5,000) or 12% (for salaries above RM5,000). Check the current EPF schedule if your age or employment category differs.
The Social Security Organisation provides social insurance. Under Type 1 (Employment Injury & Invalidity), employees contribute roughly 0.5% and employers add 1.75% of monthly wages, both capped at a monthly salary ceiling of RM6,000.
The Employment Insurance System supports retrenched workers. Contributions are split equally between employers and employees at 0.2% each. Following the 2024 PERKESO amendment, this contribution is capped at a monthly salary ceiling of RM6,000 (previously RM5,000).
In Malaysia, personal income tax is calculated on a progressive scale. Tax is assessed on your annual taxable income (chargeable income) after deducting your statutory contributions and standard individual tax reliefs.
| Chargeable Income Band (RM) | Tax Rate (%) | Tax Payable (RM) |
|---|---|---|
| 0 – 5,000 | 0% | 0 |
| 5,001 – 20,000 | 1% | Next 150 |
| 20,001 – 35,000 | 3% | Next 450 |
| 35,001 – 50,000 | 6% | Next 900 |
| 50,001 – 70,000 | 11% | Next 2,200 |
| 70,001 – 100,000 | 19% | Next 5,700 |
| 100,001 – 250,000 | 25% | Next 37,500 |
| 250,001 – 400,000 | 26% | Next 39,000 |
| Above 400,000 | 28% – 30% | Varies |
Learn exactly how monthly payroll deductions (PCB) work, how to legally claim tax reliefs to reduce your chargeable income, and find full rate tables in our comprehensive guide.