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Salary & HR

Malaysia salarytake-home calculator

Enter your gross monthly salary to see your net take-home pay — after EPF, SOCSO, EIS and monthly tax (PCB) — plus the employer contributions that make up the full cost of your job. Built on Malaysia's 2025 and 2026 statutory rates.

Your salary

Tax year

Tax reliefs (optional)

Self relief (RM 9,000) and your EPF relief are applied automatically. Add more to refine your monthly PCB.

Your monthly payslip

Enter your gross monthly salary to see your take-home pay.

How it's calculated

From your gross salary we deduct the three statutory contributions — EPF at 11% (employee share), SOCSO at 0.5% and EIS at 0.2% — then your monthly income tax (PCB). On RM 5,000 a month that's RM 550 EPF, RM 24.75 SOCSO, RM 10 EIS and about RM 110 PCB, leaving RM 4,305.25 in your pocket.

Your employer pays more again: EPF at 13% (12% above RM 5,000 wages), SOCSO at 1.75% and EIS at 0.2%. So your RM 5,000 salary actually costs the company about RM 5,746.65 a month. The PCB figure comes from the same engine as our income-tax calculator, so the two always agree.

Why it matters

The salary in your offer letter is not the money that lands in your bank account. Knowing your real take-home pay lets you budget honestly, compare job offers like-for-like, and check that your employer is deducting the right amounts. Seeing the employer-side contributions also reveals the true value of your package — your EPF retirement savings grow by roughly a quarter of your salary every month once both shares are counted.

RM 5,000 a month, YA 2026, no extra reliefs

Worked example

A single employee earning RM 5,000 gross, with only self and EPF relief:

Employee deductions: EPF RM 550.00, SOCSO RM 24.75, EIS RM 10.00, PCB RM 110.00.

Net take-home = 5,000 − 694.75 = RM 4,305.25 a month (86.1% of gross).

Employer contributions: EPF RM 650.00, SOCSO RM 86.65, EIS RM 10.00 = RM 746.65.

Total cost to the employer = 5,000 + 746.65 = RM 5,746.65 a month.

Common mistakes

Where take-home maths trips people up:

  1. 01Confusing gross with take-home

    A RM 5,000 offer is not RM 5,000 in hand. After EPF, SOCSO, EIS and PCB you keep around RM 4,305 — budget on the net figure, not the headline.

  2. 02Forgetting the employer's share

    Your EPF grows faster than your 11% suggests, because the employer adds 12–13% on top. When comparing offers, the total package (salary + employer EPF) is the fair yardstick.

  3. 03Expecting every month to match

    This is a regular-month estimate. Bonus months carry extra PCB, and reliefs you claim at filing can change the final tax. Treat the figure as a close estimate, not a payslip to the cent.

Frequently asked questions

7 answers
What is take-home pay?

Take-home pay (net salary) is what actually reaches your bank account after compulsory deductions: EPF (11%), SOCSO (0.5%), EIS (0.2%) and monthly income tax (PCB). For a RM 5,000 gross salary with no extra reliefs, take-home is about RM 4,305 a month.

How much EPF is deducted from my salary?

The employee EPF contribution is 11% of your gross monthly wage, with no upper cap. Your employer adds another 13% (or 12% if your monthly wage is above RM 5,000). Both shares go into your EPF account, so on a RM 5,000 salary roughly RM 1,200 is saved for retirement each month even though only RM 550 comes out of your pay.

What is PCB and is it the same as my final tax?

PCB (Potongan Cukai Bulanan) is the monthly tax your employer withholds and remits to LHDN on your behalf. It's an estimate of your annual tax spread across 12 months. Your final tax is settled when you file your return — if PCB over-deducted you get a refund, if reliefs were higher than assumed you may owe less. This calculator uses the same tax engine as our income-tax calculator.

Are SOCSO and EIS capped?

Yes. Both SOCSO and EIS are calculated on wages up to a RM 6,000 ceiling (raised from RM 5,000 in October 2024). Once you earn above RM 6,000, your SOCSO contribution is fixed at RM 29.75 and EIS at RM 12.00 a month — they don't keep rising with your salary.

Why does my salary cost my employer more than my gross pay?

Because the employer pays statutory contributions on top of your wage: EPF (12–13%), SOCSO (1.75%) and EIS (0.2%). A RM 5,000 salary actually costs the company about RM 5,746 a month. This is the 'cost of employment' and it's useful context when negotiating a raise.

Does this include bonus or overtime?

No — this is a regular-month estimate of basic-plus-fixed-allowance pay. Bonuses carry their own additional PCB in the month they're paid, and overtime varies month to month, so folding them into a monthly average would misstate your normal take-home. Enter only your recurring gross salary.

Is this accurate for everyone?

It's built for standard private-sector employees under 60 on EPF/SOCSO Category 1 with the statutory 11% EPF rate. It doesn't model age-60-plus rates, voluntary EPF top-ups, or EPF-exempt allowances. Treat it as a close educational estimate; your actual payslip is set by your employer and LHDN.

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