Malaysia · Monthly salary planner
Use our free salary calculator, Enter your monthly gross salary, select your employment details and view an estimated breakdown of your deductions. You'll see how much goes towards statutory contributions, how much income tax may be withheld and what remains as your monthly take-home pay.
02 / Your estimated take-home
RM 4,415.35
Excluded — before tax withholding · Monthly estimate
SOCSO includes RM 0.00 for LINDUNG 24 Jam. EIS: Eligible private-sector employee.
These contributions are added to employer costs. They are not deducted from your gross salary.
Liable wages: RM 5,000.00. Band: RM 4,980.01–RM 5,000.00.
KWSP Third Schedule, Parts A, C and E. Effective 1 October 2025. Official schedule
Liable wages: RM 5,000.00. Band: Exceed RM4,900 but not exceed RM5,000.
Act 4 Third Schedule, First Phase. Effective 1 June 2026. Official schedule
Liable wages: RM 5,000.00. Band: RM 4,900.01–RM 5,000.00.
Act 800 Second Schedule; RM6,000 ceiling. Effective 1 October 2024. Official schedule
Ordinary base pay is liable for all three schemes; additions use your separate wage-treatment selections. EPF uses exact whole-ringgit table entries. SOCSO and EIS use their own prescribed amounts, each with a RM6,000 ceiling. PCB is manually entered or excluded, never inferred from a percentage.
Planning estimate only, not an official payslip or tax determination. Confirm eligibility and deductions with your payroll team.
Net salary is the amount an employee receives after applicable deductions have been taken from their gross salary.
In Malaysia, common payroll deductions include EPF (KWSP), SOCSO (PERKESO), EIS and PCB (monthly income tax).
Your gross salary is the amount you earn before deductions. Your net salary is what remains afterwards.
For example, if your gross monthly salary is RM5,000, your take-home pay will usually be lower because some of that money goes towards retirement savings, social security, employment insurance and potentially income tax.
The exact amount depends on your age, employment category, tax residency, personal reliefs and other payroll details.
That's why a net salary calculator is useful when comparing your expected pay with your actual payslip.
Calculating your take-home salary starts with your gross monthly earnings.
The basic calculation is:
Net Salary = Gross Salary − Employee EPF − Employee SOCSO − Employee EIS − PCB − Other Applicable Deductions
Each deduction follows its own rules.
Start with your monthly basic salary and any additional payments that form part of your gross earnings.
For example, if your basic salary is RM4,500 and you receive RM500 in fixed allowances, your gross monthly remuneration may be RM5,000.
Keep in mind that different payments can have different treatment for EPF, SOCSO, EIS and income tax.
EPF is Malaysia's retirement savings scheme.
For most Malaysian employees below 60, the standard employee EPF contribution rate is 11%.
Your employer also contributes separately, generally at 13% for monthly wages of RM5,000 or below and 12% for wages above RM5,000.
Actual EPF amounts must follow the applicable KWSP Third Schedule.
SOCSO provides social security protection, while EIS supports eligible employees who lose their jobs.
Both contributions depend on the applicable PERKESO contribution schedules, employee eligibility and wage bands.
SOCSO and EIS contributions use a monthly wage ceiling of RM6,000.
Additional LINDUNG 24 Jam contributions may apply depending on the employee's category and participation status.
PCB, also known as Monthly Tax Deduction (MTD), is the income tax withheld from an employee's monthly remuneration.
The amount depends on factors such as annual taxable income, tax residency, marital status, eligible reliefs and previous payroll information.
Not every employee pays the same amount of PCB, even when their gross monthly salary is identical.
Once the applicable employee deductions are subtracted, the remaining amount is your estimated take-home salary.
Our free take-home pay calculator displays the deductions separately so you can see where your money goes.
Let's look at an example of an employee earning RM5,000 per month.
Assume the employee is a Malaysian citizen below 60, is single, has no children, receives a fixed monthly salary and has no additional deductions. This example excludes optional or additional SKBBK contributions.
| Salary Breakdown | Monthly Amount |
|---|---|
| Gross monthly salary | RM5,000.00 |
| Employee EPF | RM550.00 |
| Employee SOCSO (Act 4) | RM24.75 |
| Employee EIS | RM9.90 |
| Salary after these three contributions | RM4,415.35 |
| PCB income tax | Depends on tax details |
| Final net salary | RM4,415.35 minus PCB and any other deductions |
This example shows why gross salary and take-home salary are not the same.
Even before income tax, the employee receives less than the original RM5,000 gross salary.
If PCB, LINDUNG 24 Jam or other deductions apply, the final amount will be lower.
For a more personalized estimate, enter your salary and employment information into the calculator above.
When you receive your payslip in Malaysia, you may notice several deductions. Each serves a different purpose.
EPF helps employees build retirement savings through monthly contributions.
Both eligible employees and employers contribute to the fund.
For most Malaysian employees below 60, the employee contribution rate is 11%, while the employer rate is generally 12% or 13%, depending on monthly wages.
EPF contribution amounts follow the official KWSP schedule.
SOCSO provides protection for eligible employees against covered employment injuries, invalidity and other qualifying risks.
Contributions depend on the employee's age, category and monthly contribution wages.
For eligible First Category employees, both the employee and employer contribute under the applicable schedule.
The Employment Insurance System provides eligible employees with support when they lose their jobs under qualifying circumstances.
The standard contribution rates are 0.2% for the employee and 0.2% for the employer, subject to the official contribution table and wage ceiling.
EIS is separate from SOCSO and EPF.
PCB is the monthly income tax deduction administered by LHDN, also known as HASiL.
It is calculated using the applicable tax rules, projected annual remuneration, eligible deductions and reliefs.
An employee's PCB amount can change when their salary increases, they receive a bonus, their tax information changes or their previous employment income is taken into account.
Gross salary and net salary are two important figures to understand when reviewing a job offer.
| Gross Salary | Net Salary |
|---|---|
| Salary before deductions | Salary after deductions |
| Includes earnings before statutory withholding | Reflects applicable employee deductions |
| Used to describe the offered remuneration | Helps show what you actually receive |
| Usually higher than net salary | Usually lower than gross salary |
For example, two employees may both earn RM6,000 gross per month but receive different net salaries.
One employee may have additional tax reliefs, while another may have different deductions or previous income affecting PCB.
This is why calculating net salary based on your own circumstances is more useful than relying on a general estimate.
Your take-home pay depends on more than your basic salary.
Age, citizenship, tax residency, marital status, children, allowances, bonuses and statutory contribution eligibility can all affect the result.
For example, an employee earning RM4,000 per month may have a different net salary from another employee earning the same amount because their PCB deductions or applicable contribution categories differ.
Our Malaysia Take-Home Pay Calculator helps you estimate your monthly income after the deductions supported by the tool.
You can also use it to compare salary offers and understand how an increase in gross pay may affect your actual monthly earnings.
If you're an employer, the employee's gross salary is not necessarily the full cost of employing them.
Employers may also need to pay their own EPF, SOCSO and EIS contributions.
For example, if an employee earns RM5,000 per month, the employer generally has additional statutory contributions on top of that salary.
These employer contributions are separate from employee deductions.
Total Employer Cost = Gross Salary + Employer EPF + Employer SOCSO + Employer EIS + Other Applicable Employer Costs
This distinction is important for payroll budgeting, hiring decisions and workforce planning.
Our salary calculator includes a separate employer contribution breakdown so businesses can understand their estimated statutory payroll costs.
Your take-home pay may change even when your basic salary stays the same.
A bonus, overtime payment, commission or additional allowance can increase your monthly earnings and may affect statutory deductions or PCB.
Changes to tax reliefs, year-to-date income, employment status or contribution eligibility can also influence the amount deducted.
For example, receiving an annual bonus may increase your PCB deduction for that particular month.
If your payslip differs from your salary calculator estimate, check the individual deduction amounts rather than comparing only the final net salary.
Monthly salary is the amount earned during a particular month, while annual salary represents earnings over the year.
If you receive RM5,000 every month for 12 months, your annual basic salary is RM60,000.
However, your annual take-home pay may not simply equal one month's net salary multiplied by 12.
Bonuses, additional remuneration, changing PCB deductions and other payroll adjustments can affect your yearly income.
Our salary calculator can help you understand your estimated monthly earnings and, where supported, view an annualized illustration.
Understanding payroll deductions shouldn't require complicated spreadsheets or manual calculations.
Our free salary calculator helps you estimate your monthly take-home pay while showing the main statutory deductions separately.
You can use it to understand your payslip, compare employment offers, plan your monthly expenses or estimate employer payroll costs.
The calculator is free to use, and you don't need to create an account to check your salary estimate.
Whether you're starting a new job, negotiating a salary increase or simply checking your monthly payslip, knowing your estimated net salary helps you make better financial decisions.
Use our free Salary Calculator Malaysia to estimate your take-home pay after EPF, SOCSO, EIS, PCB and other applicable deductions supported by the calculator.
Enter your gross monthly salary above and see your estimated salary breakdown in seconds.
Calculate your net salary for free today.