BM

Updated for YA 2025/2026 · LHDN rates

Malaysia Salary & Tax Calculators

Work out your yearly LHDN tax with every relief you can claim, check the PCB coming off your monthly salary, or see how much of a pay raise you actually keep. Free, and nothing you type is stored.

Calculate my take-home pay →Explore the guides
  • 10 progressive bands
  • 25 relief categories
  • Monthly PCB / MTD mode

Monthly PCB / MTD calculator

Estimates your Potongan Cukai Bulanan with a simplified annualised calculation for a resident employee earning a uniform salary throughout the year. Actual payroll may differ.

Scope: Malaysian/PR resident employee below 60, uniform salary and full ordinary child claims. Exempt allowances, other worker categories and payroll or accumulated-zakat adjustments are not modelled.

RM

Basic salary before any deductions

RM

Taxable allowances paid every month

RM

Taxed as additional remuneration in the bonus month

%

Standard Malaysian/PR employee below 60: 11%. Other worker categories require different contribution treatment.

%

Default 13% (≤ RM5,000) / 12% (above)

Family profile
RM2,000 relief each
Relief adjustments & zakat
RM

Eligible annual TP1 amounts, including SOCSO/EIS if claimed; exclude individual, spouse, ordinary child and EPF amounts already applied.

RM

Maximum RM4,000. Actual contributions, including bonus-month EPF, are capped by the engine. A lower override is allowed.

RM

Deducted ringgit-for-ringgit from monthly PCB

Check the official sources

Check the applicable assessment year and eligibility conditions. Calculator estimates do not replace the official schedules or guidance.

Make sense of your numbers

Small decisions. A clearer financial picture.

All guides →
Payslip breakdown for a RM5,000 monthly salary: EPF, SOCSO, EIS and PCB deductions leading to net take-home pay

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Organise Tax Receipts in Malaysia: A 15-Minute Routine

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How Malaysian income tax works

If you're a tax resident, Malaysia taxes your chargeable income on a sliding scale from 0% to 30%. Chargeable income is what's left after your reliefs come off: the automatic RM9,000 individual relief, up to RM4,000 for EPF, up to RM3,000 for life insurance, RM2,500 for lifestyle purchases, and so on. If what's left is RM35,000 or less, you also get a RM400 rebate straight off the tax bill. The calculator above applies the current brackets and relief caps for you, so you only need to enter what you earned and what you spent.

Your tax bracket isn't your tax rate

Each band only taxes the ringgit that falls inside it. Someone with RM60,000 of chargeable income sits in the 11% bracket, but only the last RM10,000 is taxed at 11%. Their overall (effective) rate works out to about 4.3%. That's why the results show both numbers. The effective rate tells you what you really pay. The marginal rate tells you what one more ringgit of relief is worth, which is useful when you're deciding whether an EPF top-up or an insurance policy is worth it before 31 December.

Frequently Asked Questions

Short answers about the calculator and Malaysian tax basics.

Do you collect my financial data?

No. What you type is sent to our server once to run the calculation and then thrown away. We don't save it, we don't log it, and we can't see it later.

Which Year of Assessment does the calculator use?

It uses the LHDN rates and relief caps for YA 2025 and YA 2026. That includes Budget 2026 changes such as childcare relief now covering children up to age 12 and the RM1,000 domestic tourism relief, which applies for YA 2026 only.

What is chargeable income?

It's your total income for the year minus the reliefs you qualify for. For example, the automatic RM9,000 individual relief, EPF up to RM4,000 and lifestyle up to RM2,500. The tax brackets are applied to this figure, not to your gross salary.

Is EPF relief RM4,000 or RM7,000?

There are two separate limits: up to RM4,000 for mandatory or voluntary EPF contributions, and up to RM3,000 for life insurance, family takaful or additional voluntary EPF contributions. Qualifying voluntary top-ups can use unused capacity in the second category even when mandatory EPF already reaches RM4,000. Do not claim the same contribution twice. These limits also apply to pensionable public servants under the current rules.

Why is the PCB on my payslip different from my final tax?

PCB (Potongan Cukai Bulanan) is an estimate your employer deducts every month, based on your salary and whatever reliefs you've declared to HR. Your final tax is only worked out when you file on e-Filing and claim everything. If you paid too much PCB, LHDN refunds the difference. If you paid too little, you pay the balance.

Do I need to declare side income?

Yes. Freelance work, e-hailing, online selling, commissions and rent all have to be declared, however small. Business-type income is normally filed on Form B, which is due on 30 June, instead of Form BE.

Who gets the RM400 tax rebate?

Tax residents whose chargeable income is RM35,000 or less. It comes straight off your tax payable. If you're jointly assessed with a spouse who has no income, you can get another RM400.

What is PERKESO Lindung 24 Jam?

PERKESO's optional cover for non-work accidents has been voluntary since 8 July 2026. Contributions follow the published 0.75% wage-band schedule, capped at RM44.65 a month at the RM6,000 wage ceiling. The calculator's switch changes take-home pay; it does not automatically claim this contribution as PCB relief. Check eligibility for any TP1 claim.

Estimates based on YA 2025/2026 rules published by LHDN / Inland Revenue Board of Malaysia. This tool provides guidance only. Confirm your final assessment via LHDN MyTax e-Filing.