💰 Malaysia Take-Home Salary Calculator

Calculate net pay after EPF, SOCSO, EIS & Income Tax deductions

Monthly Take-Home Pay
RM 4,285.00
RM 5,000.00 → RM 4,285.00 · 85.7% take-home
Deduction Breakdown
Gross SalaryRM 5,000.00
EPF / KWSP (11%)−RM 550.00
SOCSO / Perkeso (0.5%)−RM 25.00
EIS / SIP (0.2%)−RM 10.00
Income Tax (PCB)−RM 130.00
Total Deductions−RM 715.00
Net Take-Home PayRM 4,285.00
Employer Contributions (not deducted from your pay)
Employer EPF (13%)RM 650.00
Employer SOCSO (1.75%)RM 87.50
Employer EIS (0.2%)RM 10.00
Annual Summary
Annual Gross
RM 60,000.00
Annual Net Pay
RM 51,420.00
Annual Income Tax
RM 1,560.00
Effective Tax Rate
2.60%
Tax Reliefs Applied
Personal ReliefRM 9,000.00
EPF ReliefRM 4,000.00
Taxable Income (Estimate)RM 47,000.00

* Estimates based on current EPF, SOCSO, EIS & PCB rates. For reference only — verify with your employer or LHDN.

Malaysia Net Salary Calculator Guide

Many employees in Malaysia are surprised when the money landing in their bank account each month is lower than the figure on their offer letter. This gap happens because gross salary is subject to several mandatory deductions before it becomes net (take-home) pay. This net salary calculator helps you clearly understand how much you actually receive after EPF, SOCSO, EIS and PCB income tax are all taken into account.

Using it is very simple. Pick your monthly gross salary from the preset buttons or type your own amount in the field provided. Then set your marital status, whether your spouse is working, and the number of children under 18. The calculator recomputes the result automatically each time you change any input, and instantly displays your monthly take-home pay in the green card at the top.

The largest deduction for most employees is the EPF (KWSP) contribution of 11% of gross salary, which is saved towards your retirement. After that, SOCSO (Perkeso) and EIS (Employment Insurance System) are calculated on an insurable wage capped at RM5,000 per month, at small rates of roughly 0.5% and 0.2% for the employee portion. The final deduction is PCB, the monthly income tax withheld and remitted to the Inland Revenue Board (LHDN).

The PCB estimate in this calculator is produced by computing the annual tax on your taxable income, then dividing it across 12 months. Taxable income is worked out after subtracting basic reliefs: the RM9,000 personal relief, the EPF contribution relief (capped at RM4,000 a year), a RM4,000 spouse relief if your spouse is not working, and RM2,000 per child. Tax is applied using progressive bands — the higher your income, the higher the percentage charged on the top slice.

Beyond deductions from your salary, the calculator also shows employer contributions for EPF (12% or 13%), SOCSO and EIS. These are not deductions from your pay — they are additional costs borne by your employer, and in the case of EPF, that money goes into your KWSP retirement account. Understanding this full value helps you assess a compensation package more accurately when accepting a job offer or negotiating salary.

Please remember these results are estimates for reference only. Your actual tax may be lower if you claim additional reliefs such as life insurance, medical expenses, education fees, zakat or charitable donations. For official figures, always refer to the payslip from your employer or the LHDN MyTax portal. Use this calculator as a starting point for planning your monthly budget and understanding your salary structure.

Frequently Asked Questions

What does net salary (take-home pay) mean?+

Net salary is the amount of money that actually reaches your bank account each month after all mandatory deductions are taken from your gross pay. These deductions include EPF (KWSP), SOCSO (Perkeso), EIS (SIP) and Monthly Tax Deduction (PCB) where applicable. Your net pay is always lower than the gross figure stated in your offer letter.

What is the employee EPF (KWSP) contribution rate?+

This calculator uses the standard employee contribution rate of 11% of gross salary. The employer contributes 13% if your salary is RM5,000 or below, or 12% if above RM5,000. The employer's contribution is not deducted from your salary — it is added on top of your package. Note that the employee rate is sometimes temporarily adjusted by the government.

How are SOCSO and EIS calculated?+

SOCSO (Perkeso) and EIS (Employment Insurance System) are calculated on an insurable wage capped at RM5,000 per month. In this calculator the employee SOCSO portion is roughly 0.5% and EIS 0.2% of that capped wage. This means that even if your salary exceeds RM5,000, your SOCSO and EIS deductions do not keep rising above that ceiling.

What is PCB and is this estimate accurate?+

PCB (Monthly Tax Deduction) is income tax withheld each month by your employer and remitted to LHDN. This calculator estimates PCB by computing annual tax on taxable income after basic reliefs, then dividing by 12. It is a simplified estimate — your actual PCB depends on additional reliefs, bonuses and personal circumstances, so verify with your employer or LHDN.

Which tax reliefs are taken into account?+

This calculator includes the RM9,000 personal relief, the EPF contribution relief (capped at RM4,000 a year), a RM4,000 spouse relief if you are married and your spouse is not working, and RM2,000 per child. It does not include other reliefs such as life insurance, medical, education or zakat. If you claim additional reliefs, your actual tax may be lower than this estimate.

Why are employer contributions shown but not deducted?+

Employer contributions for EPF, SOCSO and EIS are costs borne by your employer on top of your gross salary, not deductions from your pay. We show them so you understand the full value of your compensation package — the employer EPF money still goes into your KWSP retirement account, even though it does not reduce your monthly take-home pay.

Contribution rate reference: kwsp.gov.my · perkeso.gov.my · hasil.gov.my (PCB schedule)