What you actually keep after deductions
Take-home pay (Malaysia)
Estimate your Malaysian take-home pay after EPF, SOCSO, EIS and LHDN income tax deductions from your gross monthly salary.
Formula
take-home = gross − EPF − SOCSO − EIS − monthly income tax
Assumptions
- EPF employee rate assumed at 11% for Malaysian citizens (default statutory rate; some employees elect a different rate), or 2% for non-citizens, mandatory since October 2025 wages.
- Employer's EPF contribution is shown for context only — it's paid on top of your salary and does not reduce your take-home pay.
- SOCSO and EIS are approximated as flat percentages of wage rather than the official tiered contribution tables.
- The SOCSO line is the full 1.25% employee share: 0.5% Invalidity plus 0.75% for the LINDUNG 24 Jam scheme introduced on 1 June 2026, both capped at the RM6,000 wage ceiling. LINDUNG 24 Jam is mandatory for foreign workers and opt-out for Malaysians — the opt-out window closed on 31 August 2026, so this assumes you are participating. If you opted out, deduct 0.75% of your capped wage from the SOCSO figure. The rate rises to 1% in June 2028 and 1.25% in June 2031.
- For non-citizens, EIS is excluded (it covers citizens and permanent residents only), but the SOCSO employee share is the same 1.25% as for Malaysians. Domestic servants are outside the mandatory EPF expansion entirely.
- Tax uses resident individual brackets with a standard RM9,000 individual relief and EPF relief up to RM4,000 — other reliefs (spouse, children, insurance, etc.) are not included.
- This is an estimate for planning purposes only, not tax advice.
Frequently asked questions
Why is my take-home pay lower than gross salary minus EPF?
Take-home pay also subtracts SOCSO, EIS, and monthly income tax (PCB). EPF alone typically only accounts for about 11% of the deduction.
Does this include bonuses or overtime?
No — this calculator estimates take-home pay from a fixed monthly gross salary only. Bonuses and overtime are usually taxed and contributed to EPF separately.
Is this exact enough to file my taxes?
No. It excludes reliefs like spouse, children, insurance, and lifestyle deductions, and uses simplified SOCSO/EIS rates. Use it for planning, not for LHDN filing.
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