Malaysia Take-Home Salary Calculator
Estimate your net pay after EPF, SOCSO, EIS, and monthly tax (PCB) deductions -- updated for 2025/2026 rates.
Your Salary
Employees aged 60+ move to reduced SOCSO/EIS category rates not modeled here -- shown as RM0. Consult PERKESO for exact figures.
Net Take-Home Pay
RM0
Gross Salary
RM0
Total Deductions
RM0
Deduction Breakdown
Deducted From Your Salary
Employer Also Contributes (Not Deducted From You)
How This Is Calculated (2025/2026 Rates)
- EPF (KWSP): Employee 11% (below 60). Employer 13% for wages up to RM5,000, or 12% above RM5,000. Ages 60-75: employee 0%, employer 4%.
- SOCSO: 0.5% employee / 1.75% employer, calculated on wages up to a RM6,000 ceiling (effective since October 2024).
- EIS: 0.2% employee / 0.2% employer, same RM6,000 wage ceiling.
- Lindung 24 Jam (SKBBK): New voluntary scheme effective 1 June 2026 covering non-work-related accidents 24/7. Employee-only, 0.75% of wage (phase 1 rate, capped at the RM6,000 ceiling). Made optional for local employees from 9 July 2026 -- off by default here since most employees are not automatically enrolled.
- Estimated Tax (PCB): Annualized salary, minus RM9,000 personal relief and up to RM4,000 EPF relief, taxed at LHDN's YA2025 progressive brackets, divided by 12. This is an estimate only -- actual PCB depends on marital status, dependents, and other reliefs.
- Disclaimer: This calculator is a guide for Malaysian citizen employees only and does not replace your payslip, employer's payroll system, or LHDN/KWSP/PERKESO's own calculators.
Frequently Asked Questions
How is take-home salary calculated in Malaysia?
Take-home pay is your gross monthly salary minus EPF, SOCSO, and EIS employee contributions, and monthly income tax (PCB).
What is the EPF contribution rate in Malaysia?
11% employee / 13% or 12% employer for employees below 60, depending on wage band. See the breakdown above for full details.
Is the tax estimate here exact?
No -- it's a simplified estimate using standard reliefs only. For exact PCB, check your payslip or LHDN's official calculator.
What is LINDUNG 24 Jam (SKBBK)?
A new PERKESO scheme effective 1 June 2026 covering non-work-related accidents around the clock. It's employee-only and voluntary for local employees (mandatory for foreign workers) -- so it's off by default here since most local employees aren't automatically enrolled.