Take-Home Salary Calculator (Malaysia)

EPF FINANCE MALAYSIA PAYROLL SALARY

BM EN

By RECATOOLS Editorial Last reviewed 1 Aug 2026

About this tool

Gross to net after EPF, SOCSO, EIS and estimated PCB

Calculate Malaysia take-home pay (gaji bersih): gross to net after EPF, SOCSO, EIS and estimated PCB with official tables. Free, in-browser.

RT-FIN-270 · Finance & Money

Work out your Malaysian take-home pay (gaji bersih): gross monthly salary to net after EPF, SOCSO, EIS (official PERKESO tables) and estimated PCB with standard reliefs. Everything runs in your browser.

Monthly salary (RM)

Annual bonus (RM)

Age

Residency

Spouse relief

Children (under 18)

📅 Research current as of 01 Aug 2026 · Sources: Kernel constants re-verified 2026-08-01 (EPF + PERKESO ceiling still RM6,000). EPF headline rates + official PERKESO 65-row tables (RM6,000 ceiling) + simplified PCB on YA2025/2026 brackets. Reviewed at Budget + PERKESO gazette changes.

Statutory rates and rules are revised on their own schedules, sometimes without notice — confirm against the responsible agency before relying on these figures.

Take-home / month

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Net / year (incl. bonus)

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Total deductions / month

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Gross / year

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Monthly deductions

EPF (11%)

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SOCSO

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EIS

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PCB (est., avg)

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⚠ Estimates only — not payroll or tax advice. Rates as at 2026-06-11; SOCSO/EIS exact (official tables), EPF and PCB simplified. Official computations prevail.

From gross to take-home in Malaysia

Enter your monthly salary (RM)

Type your gross monthly salary — before any statutory deductions.

Add bonus and family status (optional)

Bonuses affect PCB (not SOCSO/EIS). Spouse and child reliefs reduce the estimated tax.

Pick your age and residency

Age sets EPF/SOCSO rates (60+ differs); non-citizen employees contribute EPF at 2% + 2%.

Read your take-home pay

Results show monthly net after EPF, SOCSO, EIS and estimated PCB, with each deduction broken out.

From gross to take-home in Malaysia

A Malaysian payslip nets off four statutory items. EPF takes 11% of the full wage (below 60). SOCSO and EIS follow the official PERKESO band tables, capped at the RM6,000 ceiling — together usually under RM45 a month. PCB, the monthly tax deduction, applies once income clears the threshold.

This calculator composes all four: EPF at headline rates (the official Third Schedule may differ by a few ringgit), SOCSO/EIS from the embedded official 65-row tables (exact), and a simplified PCB estimate using the YA2025/2026 brackets with the standard reliefs.

Employer-side contributions (EPF 12–13%, SOCSO ≈1.75%, EIS 0.2%) are not deducted from your salary — they are the employer's own cost on top of it.

Age matters: from 60 the employee EPF share is zero, SOCSO becomes employer-only and EIS stops, so net pay rises. Non-citizen employees contribute EPF at the mandatory 2% + 2% since October 2025.

Scope: resident private-sector employees. Foreign-worker SOCSO, zakat, and reliefs beyond the standard set are not modelled — treat the result as a planning estimate, not a payroll substitute.

10 Facts About Malaysian Take-Home Pay

Four statutory deductions determine a Malaysian employee's net pay: EPF (11%), SOCSO (≈0.5%), EIS (0.2%) and PCB.

EPF is the biggest deduction — 11% of wages for employees below 60, computed on the full wage with no ceiling.

SOCSO and EIS are capped at the RM6,000 wage ceiling: the maximum employee deduction is only RM29.75 + RM11.90 a month.

PCB only kicks in above the income threshold — lower-paid employees' net is usually just wage minus EPF/SOCSO/EIS.

On RM5,000 a month (single, age 30): take-home is about RM4,307 — after EPF RM550, SOCSO RM24.75, EIS RM9.90 and roughly RM108 PCB.

Bonuses attract EPF and PCB, but NOT SOCSO or EIS.

Employer contributions (EPF 12–13%, SOCSO ≈1.75%, EIS 0.2%) are not deducted from your salary — they are an extra employer cost.

Employees 60+ stop contributing EPF (0% employee share) and SOCSO becomes employer-only — net pay rises noticeably.

Standard reliefs (individual RM9,000, EPF RM4,000, SOCSO+EIS RM350) make effective tax rates far lower than the bracket rates.

This calculator uses the official 65-row PERKESO/EIS tables; EPF is estimated at headline rates and PCB simplified — real payslips may differ slightly.

Frequently Asked Questions

Net = gross monthly salary − employee EPF − SOCSO − EIS − estimated monthly PCB. Each component is shown separately in the results.
EPF — 11% of the full wage for employees below 60. SOCSO and EIS are far smaller because of the RM6,000 ceiling, and PCB depends on your income level and reliefs.
Bonuses attract EPF and raise annual tax (PCB), but not SOCSO/EIS. This calculator spreads the bonus tax effect as a monthly average.
Official EPF follows the Third Schedule (band table, not exact percentages) and official PCB uses LHDN's full formula. Differences are usually small. The SOCSO/EIS figures here ARE exact — from the official tables.
The employee EPF share becomes 0% (employer 4%), SOCSO switches to Second Category (employer-only) and EIS stops — net pay rises noticeably.
Yes for EPF (mandatory 2% + 2% from October 2025), but foreign-worker SOCSO follows a separate scheme not modelled; the tax estimate assumes resident status.
Individual RM9,000, EPF up to RM4,000, SOCSO+EIS up to RM350, spouse RM4,000 and RM2,000 per child (where selected). Other reliefs are excluded — actual tax may be lower.
No. Employer contributions are on top of your salary and paid straight to KWSP/PERKESO — they are not deducted from your monthly pay.
No — Budget 2026 kept the YA2025 individual rates.
No. All calculations run entirely in your browser — your salary and family details are never sent to any server or stored.

Important — please read.

Estimates only — not payroll, tax, or legal advice. SOCSO/EIS use the official tables; EPF uses headline percentages (the Third Schedule may differ slightly); PCB is a simplified estimate of LHDN's method.

No affiliation. RECATOOLS is not affiliated with, endorsed by, or representing KWSP, PERKESO, LHDNM, or any government agency.

Rates as at 2026-06-11. EPF/SOCSO change by gazette; tax brackets at the October Budget; PERKESO's LINDUNG 24/7 (mid-2026 target) is not yet included. Verify at kwsp.gov.my, perkeso.gov.my and hasil.gov.my.

Scope limits: resident private-sector employees. Foreign-worker SOCSO, zakat, and non-standard reliefs 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.

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