Salary Calculator Malaysia 2026
Enter your monthly gross salary to see your real take-home pay after EPF, SOCSO, EIS and estimated income tax (PCB) — plus what your employer contributes on top.
11% is the standard rate for employees under 60.
Your Monthly Take-Home
What Your Employer Pays On Top
Annual Summary
Annual gross (incl. bonus)
RM 65,000.00
Total EPF saved / year (employee + employer)
RM 15,600.00
Est. annual income tax
RM 1,681.50
Annual net income
RM 55,748.50
Where You Stand in Malaysia
Income group
B40Decile
B4Your salary is higher than ~37% of Malaysian household incomes
Compared against gross monthly household income deciles from DOSM's Household Income Survey 2022. Your personal salary vs household income isn't a perfect comparison — dual-income households will rank higher than this suggests.
Recommended For Your Salary
💳 Credit cards you qualify for
Based on the banks' minimum annual income requirement, you're eligible for 59 of the cards we track. Top picks:
5x CIMB Points per RM1 spent overseas
10% AEON cashback on Thank-You Days + lounge access
8% cashback on petrol at PETRONAS (capped RM50/mo)
📊 Where to grow your money
Safety net + first investments
With your emergency fund parked in savings or FD, a common next step is ASB/ASNB or low-cost unit trusts for the core, then a first brokerage account to start with Bursa blue chips or global ETFs in small monthly amounts.
Eligibility is based on each bank's published minimum income; approval is always at the bank's discretion.
* Estimates only. PCB assumes a single resident taxpayer with standard reliefs (individual RM9,000, EPF up to RM4,000, SOCSO/EIS up to RM350) and no other income or reliefs. SOCSO/EIS use rate approximations of the official contribution tables. Your actual payslip may differ — verify with LHDN's PCB calculator or your payroll.
Salary & Deductions in Malaysia — FAQ
Net (take-home) pay = gross salary minus EPF (11% for most employees), SOCSO, EIS and monthly income tax (PCB). On a RM5,000 gross salary, statutory deductions typically total around RM640–700, leaving roughly RM4,300–4,360 take-home depending on your tax reliefs.
Employees under 60 contribute 11% of monthly wages to EPF. On top of that, your employer contributes 13% (for wages RM5,000 and below) or 12% (above RM5,000) — the employer share doesn't come out of your salary.
For employees under 60, SOCSO costs you roughly 0.5% of wages and EIS 0.2%, both capped at a RM6,000/month wage ceiling — so at most about RM30 and RM12 respectively. Employers pay a further ~1.75% SOCSO and 0.2% EIS.
PCB is the monthly tax deduction your employer remits to LHDN on your behalf — essentially your estimated annual income tax divided across the year. If your annual income after reliefs falls below the taxable threshold, your PCB is zero.
Broadly, a single person with only standard reliefs (individual RM9,000, EPF, SOCSO) starts paying tax when annual gross income passes roughly RM37,000 — about RM3,100/month — thanks to the RM400 rebate for chargeable income under RM35,000. Additional reliefs push that threshold higher.
Wondering what to do with your salary? See where your EPF goes with our EPF dividend tracker, park your savings in the best fixed deposit rates, or earn more on idle cash with a high-yield savings account.