Calculator

Written by the Loankira editorial team · Last reviewed: 28 October 2026

Take-Home Pay Calculator Malaysia: EPF, SOCSO, PCBKalkulator Gaji Bersih Malaysia: KWSP, PERKESO, PCB

What actually lands in the bank after statutory deductions, and what you cost the employer on top.

Apa yang sebenarnya masuk ke akaun selepas potongan berkanun, dan kos anda kepada majikan.

LK

Written and checked by the Loankira editorial team

Last reviewed 28 October 2026. Figures follow Malaysian bank practice and the published statutes; where a bank sets its own policy we say so. How we check

Your payGaji anda

The two boxes are independent. Untick LINDUNG 24 Jam only for a local who filed an opt-out before 31 August 2026 — foreign workers cannot. At 60 or over the invalidity share, EIS and employee EPF all stop, and the employer side moves to the Second Category (4% EPF, 1.25% injury); LINDUNG 24 Jam continues, so the tick still applies. The 60-or-over figures are for Malaysian citizens and follow Third Schedule Part E (employer-only, NIL up to RM10). A permanent resident or a non-citizen who elected to contribute before 1 August 1998 stays on Part C - employer 6.5% up to RM5,000 and 6% above that, employee 5.5% from the second band up (the employee column is NIL only in the RM0.01-10.00 band, unlike Part E where it is nil throughout) - which this calculator does not model: untick the box for them and the figures fall back to the under-60 citizen rates, so for a PR treat the deductions and the cost as high and the net as low.Kedua-dua kotak berasingan. Nyah tanda LINDUNG 24 Jam hanya bagi pekerja tempatan yang menarik diri sebelum 31 Ogos 2026 — pekerja asing tidak boleh. Pada umur 60 tahun ke atas, bahagian keilatan, EIS dan KWSP pekerja semuanya terhenti, dan pihak majikan beralih ke Kategori Kedua (KWSP 4%, kecederaan 1.25%); LINDUNG 24 Jam diteruskan, jadi tanda itu masih terpakai. Angka 60 tahun ke atas adalah untuk warganegara Malaysia dan mengikut Jadual Ketiga Bahagian E (majikan sahaja, sifar hingga RM10). Pemastautin tetap atau bukan warganegara yang memilih untuk mencarum sebelum 1 Ogos 1998 kekal pada Bahagian C - majikan 6.5% sehingga RM5,000 dan 6% melebihinya, pekerja 5.5% dari julat kedua ke atas (lajur pekerja hanya SIFAR dalam julat RM0.01-10.00, tidak seperti Bahagian E yang sifar sepanjang) - yang tidak dimodelkan oleh kalkulator ini: nyah tanda kotak itu bagi mereka dan angka jatuh ke kadar warganegara bawah 60 tahun, jadi bagi pemastautin tetap anggap potongan dan kos sebagai tinggi, dan gaji bersih sebagai rendah.

Take-homeGaji bersih

Net payGaji bersih–
EPF (11%)KWSP (11%)–
SOCSO + EISPERKESO + EIS–
PCB (estimated)PCB (anggaran)–
Employer addsMajikan tambah–
Total cost to employerJumlah kos majikan–

Employee EPF is 11%. Employer EPF is 13% up to RM5,000 and 12% above it. SOCSO and EIS use PERKESO's fixed RM100-band table, capped at a RM6,000 wage. PCB here is a simple annualised estimate with only the individual and EPF reliefs, so payroll's figure can differ. Zakat paid through payroll is treated as a rebate against PCB first and as cash out only for any excess; Zakat is a rebate against PCB, so at higher wages it largely replaces tax you were already paying rather than reducing your cash; at lower wages, where PCB is nil, the whole amount leaves your account. Leave it blank and nothing changes.

KWSP pekerja 11%. Majikan 13% sehingga RM5,000 dan 12% ke atasnya. PERKESO dan EIS guna jadual jalur RM100 tetap, dihadkan pada gaji RM6,000. PCB di sini anggaran tahunan mudah dengan pelepasan individu dan KWSP sahaja, jadi angka payroll boleh berbeza. Zakat melalui potongan gaji dianggap rebat kepada PCB dahulu dan hanya baki lebihnya keluar sebagai tunai; Zakat ialah rebat terhadap PCB, jadi pada gaji tinggi ia sebahagian besarnya menggantikan cukai yang anda sudah pun bayar dan bukan mengurangkan tunai anda; pada gaji rendah, apabila PCB sifar, keseluruhan jumlah keluar dari akaun anda. Biarkan kosong dan tiada apa berubah.

What actually comes off a Malaysian payslip

Four lines sit between gross and net, and only one of them is a tax. EPF takes 11% of wages. SOCSO takes 0.5% of wages for invalidity plus the LINDUNG 24 Jam share, which the Act phases in: 0.75% in the first phase, to 31 May 2028; 1.0% from 1 June 2028; 1.25% from 1 June 2031. The employee share is 1.25% of wages today, 1.5% from 2028 and 1.75% from 2031, the whole of it on a wage ceiling of RM6,000, and this calculator uses the first-phase figures. LINDUNG 24 Jam is the non-work accident scheme a local employee is treated as participating in unless they opted out before 31 August 2026, and which foreign workers pay regardless. The box is ticked by default: untick it only for an employee who filed an opt-out before 31 August 2026 — you can rejoin at any time — and at 60 or over tick the second box instead, which moves EPF, EIS and the invalidity share to their 60-and-over treatment and keeps LINDUNG 24 Jam. EIS takes 0.2%, on the same ceiling. PCB is the monthly tax deduction, and it is the only line that depends on your reliefs, your marital status and how much you have already earned this year. Net pay is what is left after all four, and no deduction is optional: an employer that skips EPF or SOCSO is in breach, not doing you a favour.

The employer pays more than you do

On RM4,000 a month the employer adds 13% EPF and the SOCSO and EIS the statute's employer column prints for that wage band, so the real cost of the job is RM4,597, or 14.93% above the figure in the offer letter. Both PERKESO figures are read from that column of the schedule, not from 1.75% and 0.2% of the wage. The EPF line is the standing rate — 13%, falling to 12% above RM5,000 — applied to gross and left unrounded, so a payroll system that rounds each line can differ from it by a few sen. If you are negotiating, negotiate gross and ask what the employer contribution is; a package that shifts pay into allowances outside the Third Schedule can quietly shrink both the EPF credit and the loan you qualify for.

Why the PCB here is an estimate

Payroll runs PCB on a cumulative basis: it adds this month to every month already paid, applies the reliefs you have declared on Form TP1 or TP3, and trues up. This page cannot see any of that, so it annualises the salary, applies only the individual and EPF reliefs, and divides by twelve. Expect your payslip to differ, especially in a bonus month, after a mid-year relief claim, or if you have zakat offsetting the tax. The PCB calculator puts those same reliefs, the spouse and the children on the input side, so the payslip gap can be sized instead of guessed.

Worked example: RM4,000 a month

EPF is RM440, SOCSO and EIS together RM57.30, and the annualised PCB comes to roughly RM16, which leaves about RM3,487 net. The employer pays RM4,597 to employ you. Notice the shape of that: the deductions are 12.8% of gross, and the employer side is another 14.93% on top. Both numbers decide what a bank will lend, one because it lowers net pay and the other because it is not yours to spend. Add a zakat deduction through payroll in the field above and it comes off PCB first, then off the balance.

Net pay, not gross, decides the loan

Banks compute the debt service ratio on net income. A RM4,000 gross salary supports meaningfully less housing loan than the same person assumes, because the RM3,487 net is the only figure that services an instalment. If an instalment takes more than about 60% of net across all debts, most Malaysian banks decline. Run the DSR calculator with your net figure, not your offer letter.

Checking a payslip against this calculator

Put the four lines side by side with what you entered. EPF should be exactly 11% of wages, SOCSO and EIS should follow the RM6,000 ceiling, and PCB should be explainable by the annualised bands. A missing EPF line means the employer has not registered you; a PCB line larger than this estimate with no bonus and no reliefs usually means the payroll system has stale data. Ask HR in writing, and check your EPF credits in i-Akaun the same month rather than at the end of the year.

Frequently asked

Is EPF always 11% of gross?

No. The Third Schedule sets the rate by wage and age, and 11% applies to employees under 60 on ordinary wages. Several payments sit outside it, including travelling allowances, gratuity and most termination benefits.

Why do SOCSO and EIS stop at RM6,000?

Both are insured-wage schemes with a statutory ceiling. At RM6,000 the employee SOCSO contribution tops out at RM74.40 — RM29.75 invalidity and RM44.65 LINDUNG 24 Jam — with EIS at RM11.90, and a wage above that contributes the same.

Does a bonus attract PCB?

Yes. A bonus is additional remuneration and payroll must deduct on it in the month it is paid, which is why the bonus-month PCB usually looks far larger than the salary-month figure.

Should I quote net or gross on a loan application?

Net. The bank builds the debt service ratio from the income that actually arrives, so an application built on gross overstates capacity and comes back with a lower approval or a decline.

Related

Sources

Last reviewed: 28 October 2026. Figures are general information, not financial, tax or legal advice. Rules change; confirm with your bank or the relevant agency.