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 Malaysia (LHDN 2026) — Plan Your Reliefs & Tax Saved

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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 for this estimate; it is saved only if you choose Save Scenario.

Enter what you've spent or contributed

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

EPF / approved schemecap RM4,000.00 · RM4,000.00 left

Life insurance / family takafulcap RM3,000.00 · RM3,000.00 left

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

Education and medical insurancecap RM4,000.00 · RM4,000.00 left

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

Basic supporting equipmentcap RM6,000.00 · RM6,000.00 left

Disabled individualcap RM7,000.00 · RM7,000.00 left

Education fees (self)cap RM7,000.00 · RM7,000.00 left

Serious illness, fertility, vaccination or dentalcap RM10,000.00 · RM10,000.00 left

Health screening and specified health expensescap RM1,000.00 · RM1,000.00 left

Child disability assessment / interventioncap RM10,000.00 · RM10,000.00 left

Lifestyle (books, devices, internet, courses)cap RM2,500.00 · RM2,500.00 left

Additional sports reliefcap RM1,000.00 · RM1,000.00 left

Breastfeeding equipmentcap RM1,000.00 · RM1,000.00 left

Registered childcare / kindergartencap RM3,000.00 · RM3,000.00 left

Net SSPN savingscap RM8,000.00 · RM8,000.00 left

Spouse with no income / alimonycap RM4,000.00 · RM4,000.00 left

Disabled spousecap RM6,000.00 · RM6,000.00 left

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

Child in qualifying higher education (each)cap RM8,000.00 · RM8,000.00 left

SOCSO / PERKESOcap RM350.00 · RM350.00 left

EV charging, composting, food-waste grinder or home CCTVcap RM2,500.00 · RM2,500.00 left

Tourist attraction and cultural programme admissioncap RM1,000.00 · RM1,000.00 left

First-home housing-loan interestcap RM7,000.00 · RM7,000.00 left

Estimated tax saved

RM0.00

Total relief claimedRM0.00

Chargeable incomeRM66,000.00

Save or continue planning

Save this result to reopen, compare, or use as context with Cik Kira.

Find eligible reliefs Income tax optimiser Check a receipt

Estimate for YA2026, filed in 2027, including the automatic RM9,000 individual relief. Sublimits and combined categories can reduce the result. Confirm with LHDN. Not tax advice.

Official LHDN source

Frequently Asked Questions

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