How is my tax saving calculated?

We total the reliefs you enter (each capped at its LHDN limit), subtract them plus the automatic RM9,000 individual relief from your income, and compare the progressive income tax before and after. The difference is your estimated tax saved.

What's the difference between the Planner and the Tax Relief Finder?

The Finder helps you discover which reliefs you might qualify for and shows the maximum possible saving. The Planner is for entering your actual amounts to see your real total, remaining headroom against each cap, and the tax you'd actually save.

Can it use my scanned receipts?

Yes. KiraSmart Pro users who use the Receipt Tax-Relief Checker have their saved receipt totals pre-filled into the matching relief categories here, so your planner reflects what you've already tracked this year.

Tax Relief Planner

Enter your actual spending and contributions for each LHDN relief, see your remaining headroom against every cap, and estimate the income tax you'll save this year.

Your annual income (RM)

Used only to estimate your tax — nothing is saved.

Enter what you've spent or contributed

We cap each at its LHDN limit and show your remaining headroom.

EPF / KWSPcap RM4,000.00 · RM4,000.00 left

Life insurance / Takafulcap RM3,000.00 · RM3,000.00 left

Private Retirement Scheme (PRS)cap RM3,000.00 · RM3,000.00 left

Medical (self / family)cap RM10,000.00 · RM10,000.00 left

Parents' medical / carecap RM8,000.00 · RM8,000.00 left

Lifestyle (books, sports, gadgets, internet)cap RM2,500.00 · RM2,500.00 left

SSPN education savingscap RM8,000.00 · RM8,000.00 left

Child in university (each)cap RM8,000.00 · RM8,000.00 left

Child under 18 (each)cap RM2,000.00 · RM2,000.00 left

Childcare / kindergarten feescap RM3,000.00 · RM3,000.00 left

EV charging equipmentcap RM2,500.00 · RM2,500.00 left

Spouse with no incomecap RM4,000.00 · RM4,000.00 left

SOCSO / PERKESOcap RM350.00 · RM350.00 left

Estimated tax saved

RM0.00

Total relief claimedRM0.00

Chargeable incomeRM66,000.00

Estimate only, per LHDN 2026 caps and the automatic RM9,000 individual relief. Confirm eligibility and amounts with LHDN. Not tax advice.

Frequently Asked Questions

Not sure which reliefs you qualify for? Try the Tax Relief Finder.