EPF, SOCSO & EIS Calculator (Malaysia)

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About this tool

Employee + employer statutory contributions with official band tables

Calculate Malaysia EPF (KWSP), SOCSO and EIS: employee + employer shares with the official band tables and RM6,000 ceiling. Free, in-browser.

RT-FIN-264 · Finance & Money · Reviewed Jun 2026

Calculate your Malaysian statutory contributions in one place: EPF (KWSP), SOCSO (PERKESO) and EIS — employee and employer shares, with the official 65-row SOCSO/EIS band table and the RM6,000 ceiling. Everything runs in your browser.

Monthly wage (RM)

Age

Residency

📅 Research current as of 11 Jun 2026 · Sources: EPF rates per kwsp.gov.my (incl. Oct 2025 foreign-worker mandate); SOCSO/EIS per the official PERKESO 65-row tables (Act 4 + Act 800), RM6,000 ceiling. 6-month review — LINDUNG 24/7 pending.

Rates, regulations, and lender practices change frequently — verify current figures with your provider or licensed advisor before acting.

Your total deduction

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Employer cost

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Wage after statutory deductions

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SOCSO category

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Per scheme (monthly)

	Employee	Employer
EPF (KWSP)	—	—
SOCSO (PERKESO)	—	—
EIS (SIP)	—	—

⚠ Estimates only — not payroll or tax advice. Rates as at 2026-06-11; EPF estimated at headline rates (Third Schedule may differ slightly). KWSP/PERKESO computations prevail.

How EPF, SOCSO and EIS contributions work

Enter your monthly wage (RM)

Type your monthly wage. EPF applies to the whole wage; SOCSO and EIS follow the official contribution schedules with the RM6,000 monthly wage ceiling.

Pick your age

Below 60: EPF 11% (employee) + 13%/12% (employer), SOCSO First Category. 60 and above: EPF 0% employee / 4% employer, SOCSO Second Category (employer-only), no EIS.

Pick your residency

Citizens and PRs use the full rates. Non-Malaysian-citizen employees: mandatory 2% + 2% (effective October 2025 wages).

Read the totals

Results show employee and employer shares for each scheme, your total payslip deduction, and the overall employer cost.

How EPF, SOCSO and EIS contributions work

Three statutory schemes come off a Malaysian payslip. EPF (KWSP) is the retirement fund: employees below 60 contribute 11% and employers 13% (wages RM5,000 and below) or 12% (above). From 60 to below 75, the employee share drops to zero and the employer pays 4%.

SOCSO (PERKESO) insures against employment injury and invalidity. Contributions follow an official wage-band table — not an exact percentage — capped at the RM6,000 monthly ceiling in force since October 2024. Below 60 you are in the First Category (both parties contribute); from 60 the Second Category applies, paid by the employer alone.

EIS, the Employment Insurance System, funds job-loss benefits at 0.2% + 0.2% on the same band table and ceiling. There are no new EIS contributions from age 60.

This calculator embeds the official 65-row PERKESO table (Act 4 + Act 800), so SOCSO and EIS figures match your payslip exactly. EPF amounts are estimated at the headline percentages with the Third Schedule's round-up convention; official Schedule amounts can differ by a few ringgit for wages up to RM20,000.

Watch items: non-citizen employees became mandatory EPF contributors (2% + 2%) from October 2025, and PERKESO's LINDUNG 24/7 non-work-accident scheme is slated for mid-2026 — its rates are not yet gazetted and not included here.

10 Facts About EPF, SOCSO & EIS

EPF mandatory contributions for employees below 60 are 11% (employee) plus 13% (employer, wages RM5,000 and below) or 12% (above RM5,000).

For wages up to RM20,000 the official amounts follow the EPF Act's Third Schedule — schedule amounts round up, so percentage estimates can differ by a few ringgit.

Employees aged 60 to below 75 (citizens): 0% employee, 4% employer; contributions cease at age 75.

From October 2025 wages, non-Malaysian-citizen employees contribute a mandatory 2% + 2% — previously voluntary.

PERKESO has enforced an RM6,000 monthly wage ceiling since 1 October 2024 — higher wages contribute at the ceiling rate.

First Category (below 60) covers the Employment Injury and Invalidity schemes: employer ≈1.75%, employee ≈0.5% per the schedule.

Second Category (60 and above, or first-time contributors at 55+) is employer-only at ≈1.25% — Employment Injury scheme only.

EIS (Act 800): 0.2% employer + 0.2% employee shares, with the same wage ceiling.

Maximum contributions at the RM6,000 ceiling: SOCSO RM104.15 (employer) + RM29.75 (employee); EIS RM11.90 each.

Employee EPF contributions earn tax relief up to RM4,000; SOCSO + EIS up to RM350 a year.

Frequently Asked Questions

Employee 11% and employer 13% (wages RM5,000 and below) or 12% (above RM5,000). For wages up to RM20,000 the official amounts follow the Third Schedule; this calculator estimates with percentages rounded up — official amounts may differ slightly.
First Category (below 60): Employment Injury + Invalidity schemes, contributed by both employer and employee. Second Category (60+, or first-time contributors at 55+): Employment Injury only, paid by the employer alone.
RM6,000 a month since 1 October 2024. Wages above RM6,000 contribute at the ceiling row: SOCSO RM104.15 + RM29.75, EIS RM11.90 + RM11.90.
Yes. From October 2025 wages, non-Malaysian-citizen employees (except domestic servants) contribute a mandatory 2% (employee) + 2% (employer) to EPF. Foreign-worker SOCSO follows a separate scheme.
Mandatory contributions cease when the employee reaches 75. Between 60 and 75, only the employer contributes (4% for citizens).
Yes — bonuses are wages for EPF purposes. They are NOT subject to SOCSO/EIS, however. This calculator computes monthly contributions on the regular wage.
Official EPF amounts follow the Third Schedule wage bands (not exact percentages) and payroll systems use that schedule — differences are usually a few ringgit. The SOCSO/EIS figures here ARE exact: this calculator embeds the official 65-row table.
Yes: employee EPF contributions up to RM4,000 and SOCSO + EIS up to RM350 can be claimed as reliefs in your income tax assessment.
PERKESO's planned non-work-accident protection scheme targeted for mid-2026; its rates are not yet gazetted and are not included here. Watch perkeso.gov.my for developments.
No. All calculations run in your browser — your salary figures are never transmitted or stored.

Important — please read.

Estimates only — not payroll, tax, or legal advice, and not a substitute for the official KWSP Third Schedule or PERKESO schedules. SOCSO/EIS figures use the official 65-row tables; EPF uses headline percentages with round-up, which can differ a few ringgit from the Schedule for wages up to RM20,000.

No affiliation. RECATOOLS is not affiliated with, endorsed by, or representing KWSP, PERKESO, LHDN, or any government agency. Names are used for identification only.

Rates as at 2026-06-11. EPF rates change by Act amendment; the SOCSO/EIS ceiling last changed in October 2024; PERKESO's LINDUNG 24/7 (mid-2026 target) is not yet gazetted and not included. Verify at kwsp.gov.my and perkeso.gov.my.

Scope limits: standard private-sector employment. Voluntary contributions, domestic servants, and the foreign-worker SOCSO scheme are not modelled.

No warranty; limitation of liability. Provided "as is" without warranty of any kind. To the maximum extent permitted by law, RECATOOLS accepts no liability for any loss arising from use of this calculator.

Privacy. All calculations run locally in your browser; no salary or personal data is transmitted or stored.