Surprising fact: nearly 1 in 3 employees find their monthly take-home pay drops more than they expect after statutory deductions.
You can stop guessing. Enter your monthly income, residency status, days in the country, and age category to see how statutory rules shape your net pay.
The tool applies the latest EPF, SOCSO, EIS, and PCB logic so you get a clear deduction summary, net monthly salary, effective tax rate, and net annual salary.
Note: EPF employee rate starts at 11% under the EPF Third Schedule Section A. If your pay is ≤RM20,000, the total EPF contribution is rounded up to the next ringgit.
Results are estimates. For precise advice, consult a tax professional or message WhatsApp to +6019-3156508 for quick support.
Key Takeaways
- You’ll estimate take-home pay fast by entering simple details.
- The breakdown shows employer and employee contributions and monthly tax at a glance.
- EPF rounding and minimum rates are applied to match official schedules.
- Use the output to plan monthly earnings and reduce surprises at year-end.
- If results look off, message WhatsApp +6019-3156508 for guidance.
What affects your Malaysian take-home pay today
A handful of statutory items determine how much of your monthly pay you actually keep.
EPF, SOCSO, and EIS: the core monthly deductions
EPF employee deductions usually start at 11% under the EPF Third Schedule. Employer shares are 13% when wages are ≤RM5,000 and 12% when above, with rounding rules for lower incomes.
SOCSO and EIS follow statutory tables and apply by wage band. The insurance system for EIS cushions job loss and SOCSO protects workplace risks. The calculator uses current socso contribution tables so entries match official rules.
Resident vs non-resident and the PCB effect
PCB is your monthly tax prepayment. Residents follow Jadual PCB 2025. If you stay
- Check residency, age band, and which payments are subject to EPF SOCSO and PCB.
- Over 60? Employee EPF may be 0% while employer minimum can be 4%.
- Confirm wage components so deductions and tax are correct.
Need help? Message WhatsApp to +6019-3156508 for quick support.
How to use the gross salary calculator malaysia for accurate take-home pay
Quick guide:Enter a few personal and payroll details and the tool will compute statutory deductions and net pay for the month and year.
Start by filling Monthly Salary (MYR), Residency Status, Days in Malaysia (≥182 = tax resident), and Age Category. These inputs let the system set the correct EPF rate per the Third Schedule and pick the right contribution bands.
Set EPF, SOCSO and EIS
Choose your employee EPF contribution (minimum 11%). The tool applies EPF rounding to the next ringgit when pay is RM20,000 or below. Select the SOCSO category and enable EIS so both contributions calculate from updated statutory tables.
Configure PCB and bonus handling
Pick PCB mode: Calculate for Salary+Bonus or Bonus Only. If you enter a bonus, the system shows combined PCB and isolates the bonus PCB by subtracting the salary-only figure. This helps you decide payroll treatment for one-off payouts.
| Input | Example | Result shown |
|---|---|---|
| Monthly Salary | RM5,000 | Employee EPF, SOCSO, EIS, PCB per month |
| Bonus | RM5,000 | Combined PCB RM650; Bonus-only PCB RM520 |
| Residency & Days | Resident, ≥182 | Resident PCB rates applied |
| Age Category | Under 60 | Standard EPF contribution applied |
Review the results panel to see employer vs employee amounts, each contribution, net monthly pay, net annual pay, and the effective tax rate. Add allowable reliefs and update PCB year if you want an income tax estimate across the year.
If numbers differ from your payslip or you need help with EPF SOCSO categories, WhatsApp +6019-3156508 for a quick walkthrough.
Smart ways to optimize your paycheck while staying compliant
You can boost your take-home pay by using allowed reliefs and correctly classifying benefits under statutory tables.
Claim reliefs smartly. Use EPF contributions, life insurance/takaful, SSPN, education and medical insurance, lifestyle, and medical treatment reliefs within caps to reduce monthly PCB legally.
Common caps: EPF up to RM4,000, life insurance up to RM3,000, SSPN up to RM8,000, higher education up to RM7,000, and medical treatment up to RM5,000. Keep receipts ready for LHDN checks.
Understand contribution rates and special rules
Know the EPF contribution rate: employee 11%; employer 13% for wages ≤RM5,000 and 12% for higher wages. For employees above 60, employer minimum may be 4% and employee contribution may be 0%.
If a bonus pushes monthly wages above RM5,000, the employer contribution rate for that month remains 13% on the month’s wages per EPF guidance. Rates and tables may change, so verify each pay period.
Classify allowances correctly
Separate benefits that are subject EPF, PCB, SOCSO, and EIS from exempt items. Properly label travel mileage, per diem, and phone allowances so deductions and tax match statutory rules.
Use payroll tools for accuracy
Rely on updated Jadual PCB 2025, EPF Third Schedule, SOCSO and EIS tables or trusted payroll systems to keep epf socso and socso eis contributions accurate.
- Review monthly payment amounts to confirm correct contributions and PCB.
- When comparing job offers, run scenarios to see net outcomes, not just headline amounts.
- If unsure, message WhatsApp +6019-3156508 for tailored help.
Conclusion
Finish by validating your inputs so you can trust the monthly take-home result. Check residency, age band, and bonus treatment to confirm each contribution and tax line.
Your results are estimates only. For personalized advice on EPF, socso, EIS, PCB, or EA form workflows, consult a tax professional or WhatsApp +6019-3156508.
Use the salary calculator or pcb calculator to model a salary bonus, compare offers, and plan monthly earnings. Keep records for claims and income tax filing so deductions and form entries match official schedules like Jadual PCB 2025 and the EPF Third Schedule.
Regular checks help employees and employer avoid surprises and keep contributions aligned with the correct contribution rate and provident fund rules.
FAQ
What deductions affect your take-home pay?
Your pay is reduced by mandatory contributions: Employees Provident Fund (EPF), Social Security Organization (SOCSO), Employment Insurance System (EIS), and monthly tax deduction (PCB/MTD). Each has specific rates and thresholds that depend on your age, residency status, and income level.
How does residency status change my tax deduction?
If you are a resident for tax purposes, you follow progressive PCB tables with reliefs. Non-residents usually face a flat 30% tax rate on employment income, so your monthly withholding will be higher and tax reliefs generally don’t apply.
Which inputs should you provide for an accurate net pay estimate?
Enter your monthly income, residency status, age, and chosen EPF contribution rate per the Third Schedule. Also select SOCSO category and EIS, and specify whether the payment is regular pay or a bonus to ensure correct withholding.
How do you handle bonus payments for tax and contributions?
You can calculate bonuses in two ways: combined with monthly pay for PCB or as a Bonus Only withholding. EPF and SOCSO may also apply depending on the allowance type and statutory rules, so choose the correct method to avoid under- or over-withholding.
What is the rounding rule for EPF when monthly pay is RM20,000 or less?
For salaries up to RM20,000, EPF contributions are rounded up to the next ringgit when computing employee and employer amounts. This helps standardize monthly contributions and is reflected in payroll calculations.
What are the current EPF contribution rates I should expect?
The typical employee contribution is 11%. Employer rates are commonly 13% or 12% depending on policy and employee age. Special rules apply once you are over 60, which may change mandatory employer or employee rates.
Which allowances are subject to EPF, SOCSO, EIS, and PCB?
Cash allowances for work (like overtime and commission) are usually subject to EPF, SOCSO, EIS, and PCB. Certain reimbursements and non-cash benefits may be exempt. Check payroll guidance or the Third Schedule for specific allowance treatment.
How can you optimize your take-home pay legally?
Use allowable reliefs and deductions such as EPF contributions, life insurance, SSPN savings, medical expenses and approved lifestyle reliefs. Structuring benefits correctly and claiming eligible reliefs reduces your taxable income without breaking compliance.
Where do you find correct statutory tables and contribution rates?
Use official sources: Lembaga Hasil Dalam Negeri (LHDN) for PCB tables, Employees Provident Fund for the Third Schedule and rates, and PERKESO for SOCSO and EIS contribution tables. Payroll software that updates these tables helps maintain accuracy.
What happens if payroll withholding is incorrect?
Under-withholding could lead to tax liabilities and penalties at assessment; over-withholding reduces your immediate net pay but you can claim a refund or credit during tax filing. Correcting payroll settings and consulting a payroll specialist resolves recurring issues.
Can you change your EPF contribution rate voluntarily?
You may be able to opt for a different voluntary contribution level beyond the statutory minimum, subject to EPF rules. Voluntary top-ups can increase tax relief and retirement savings but check limits and implications before adjusting contributions.
How should employers report contributions and taxes?
Employers must remit EPF, SOCSO, EIS and PCB/MTD using the prescribed forms and portals by monthly deadlines. Accurate categorization of employees, correct deduction rates, and timely payments avoid penalties and ensure employees’ benefits are protected.
What if you need help calculating with up-to-date rates and reliefs?
For support, consult your payroll provider, an accountant, or use up-to-date online tools that reference LHDN, EPF, and PERKESO tables. You can also contact support via WhatsApp at +6019-3156508 for assistance with specific scenarios.