Know your real take-home pay in Malaysia
Enter your gross salary once and see exactly what EPF, SOCSO, EIS and PCB take out — with every Ringgit explained, calculated live in your browser.
Your details
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Your take-home pay
Rates for 2026, based on the details you entered.
Where your salary goes
- Take-home pay86%
- EPF (yours)11%
- SOCSO (yours)1%
- EIS (yours)0%
- PCB / tax2%
Full breakdown
Your deductions (monthly)
Employer pays on top (monthly)
What if your salary changed?
Drag the slider to see how take-home pay scales with gross salary.
How this was calculated
Every figure above is derived from these steps — nothing is a black box.
- 1We start from your monthly wage of RM 5,000.00.
- 2EPF (KWSP): RM 5,000.00 × your contribution rate = RM 550.00 deducted from you, plus RM 650.00 paid by your employer on top — this goes into your retirement savings, not to the government.
- 3SOCSO (PERKESO): based on your wage (capped at RM6,000), you pay RM 25.00 and your employer pays RM 87.50 for employment injury and invalidity protection.
- 4EIS (SIP): you pay RM 10.00 and your employer matches it with RM 10.00 — this funds unemployment benefits if you're ever retrenched.
- 5PCB (MTD): we annualise your income, subtract RM 13,350.00 in tax reliefs you qualify for, then apply the progressive tax table to the remaining RM 46,650.00 of chargeable income.
- 6That annual tax of RM 1,299.00 is spread evenly across 12 months, giving a monthly PCB of RM 108.25.
- 7Your take-home pay is your gross wage minus EPF (employee share), SOCSO (employee share), EIS (employee share) and PCB.
More calculators
EPF / KWSP Calculator
Employee & employer EPF contributions by age and wage.
SOCSO / PERKESO Calculator
Employment injury & invalidity contributions.
PCB / MTD Calculator
Monthly tax deduction with reliefs applied.
Hourly & Daily Rate Calculator
Convert monthly salary to daily and hourly rates.
Overtime Pay Calculator
Normal day, rest day and public holiday OT rates.
Annual Leave Calculator
Entitlement and pro-rating under the Employment Act.
Sourced from official rates
EPF figures come from KWSP's Third Schedule, SOCSO and EIS from PERKESO's contribution tables, and PCB from LHDN's tax brackets and relief schedule. We recheck these whenever a Budget or rate change is announced — last checked 2026-09-18, effective from 2025-10-01. See the full history on the rate changes page.
All results are estimates for planning purposes and are not a substitute for advice from your employer's payroll team or a licensed tax agent.