Malaysia Take-Home Pay Calculator

What gets deducted from your Malaysian salary

Your gross salary is not what lands in your bank account. Four things come out before you are paid:

• EPF (KWSP) - 11% of wages goes into your retirement savings, with your employer adding 12-13% on top.
• SOCSO (PERKESO) - about 0.5% of wages, capped at a RM6,000 wage ceiling, for injury and invalidity cover.
• EIS - 0.2% of wages (also capped at RM6,000) for the Employment Insurance System.
• PCB / MTD - the monthly income tax your employer withholds and pays to LHDN for you.

EPF is not lost money - it is your own savings. SOCSO and EIS are small. PCB is a prepayment of your annual income tax.

A worked example on RM5,000 a month

Of that RM695 gap, only about RM145 is genuinely gone - the SOCSO, EIS and tax. The RM550 of EPF is still your money; it has simply moved into an account you cannot spend yet.

What your employer pays on top

You cost your company more than your salary. On RM5,000 the employer adds roughly RM650 of EPF (13% at this wage level), about RM87 of SOCSO and RM10 of EIS - so employing you costs close to RM5,750 a month. Useful context when negotiating: a RM500 raise costs your employer nearer RM575.

Why your actual payslip may differ slightly

• SOCSO and EIS use banded tables, not exact percentages, so the real figures land a few sen either side of these.
• PCB depends on your marital status and children, and on any reliefs you declared through Form TP1.
• Allowances and overtime raise gross pay, and every deduction rises with it.
• Above RM6,000, SOCSO and EIS stop increasing - both are capped at that wage ceiling.