Salary calculator

What you enter

Monthly basic salary, fixed allowances, and an expected annual bonus. Age, marital status, and number of qualifying children set the tax reliefs. Extra TP1 reliefs, monthly zakat, working days per month, and hours per day are optional. An existing EPF balance is optional for the outlook.

What you get back

Net take-home pay, a full payslip breakdown of PCB, EPF, EIS, and SOCSO for both employee and employer, total employer cost, estimated annual tax, chargeable income, and pay per working day and per hour. Gross versus take-home as a share of salary.

EPF outlook and salary growth

An EPF outlook to age 55 split into your contributions, employer contributions, and dividend compounding using published KWSP rates. A salary growth path that compounds a yearly raise, re-runs PCB and EPF each year, and shows how take-home and tax climb.

Recommended budget and affordability

A recommended monthly budget (housing, car, food, utilities, lifestyle, savings), how much rent that take-home can support, whether a car price fits on a 7-year or 9-year hire-purchase loan, and whether a house price fits on a 30-year or 35-year reducing-balance loan.

Rates used (2026)

EPF: employee 11%; employer 13% at or below RM5,000 monthly wages, 12% above. Age 60 and over uses 0% / 4%.

EIS: 0.2% employee and 0.2% employer, capped at the RM6,000 PERKESO wage ceiling.

PCB: LHDN 2026 bands with RM9,000 personal relief, RM4,000 EPF relief cap, and the RM400 rebate at or below RM35,000 chargeable income. SOCSO is included by default and can be switched off.