Money math for Malaysia

A growing set of small, honest calculators for salary, tax, loans and property — built around how things actually work here, with every rate editable so you can keep them current.

Salary & Statutory Deductions

Monthly figures in Ringgit. Every statutory rate below is editable — defaults reflect standard, long-standing rates.

Your pay

Monthly figures, in Ringgit (RM).

Basic monthly salary

RM

Overtime hours (this period)

hrs

OT rate is calculated from your base hourly rate.

Commission (monthly, optional)

RM

Regular, EPF- and SOCSO-liable like basic pay.

Bonus

RM

EPF applies to bonus; SOCSO/EIS typically don't.

Age band

Working hours & hourly rate basis

Employment Act 1955 defines the ordinary hourly rate as (monthly salary × 12) ÷ (52 × normal weekly hours). Switch to a simple day/hour split if you prefer.

Normal hours per week

hrs

Statutory rates

Prefilled with standard rates — edit if yours differ.

EPF — employee %

%

EPF — employer %

%

Employer rate auto-suggests 13% up to RM5,000 wage, 12% above — override anytime.

SOCSO — employee %

%

SOCSO — employer %

%

EIS — employee %

%

EIS — employer %

%

SOCSO / EIS wage ceiling

RM

Wages above this are contributed on as if capped at the ceiling.

Take-home this month

RM 0.00

Basic + commission + bonus, minus EPF / SOCSO / EIS employee shares.

Hourly rate

RM 0.00

Daily rate

RM 0.00

Total gross this period

RM 0.00

Pay compositionThis period
Base payRM 0.00
OvertimeRM 0.00
CommissionRM 0.00
BonusRM 0.00
Total grossRM 0.00

EPF (KWSP)

Retirement

Contribution wageRM 0.00

Employee shareRM 0.00

Employer shareRM 0.00

SOCSO (PERKESO)

Injury & invalidity

Contribution wageRM 0.00

Employee shareRM 0.00

Employer shareRM 0.00

EIS

Job loss insurance

Contribution wageRM 0.00

Employee shareRM 0.00

Employer shareRM 0.00

Employer's total cost

Payroll cost

Gross payRM 0.00

Employer statutory totalRM 0.00

Total cost to companyRM 0.00

Public holidays

Paid, no deduction

11

National gazetted public holidays apply in Malaysia every year, plus typically 4–7 more set by each state — around 13–18 in total depending on where you work. As a monthly-rated employee your salary already covers them; this calculator doesn't subtract anything for holidays. Confirm your state's exact list and dates with your HR calendar, since it changes annually.

Income Tax (PCB)

A simplified estimate of annual tax and monthly deduction for a Malaysian tax resident, using the standard resident individual brackets.

Income & residence

Tax residence

Non-residents pay a flat rate on Malaysian employment income and don't get personal reliefs.

Annual employment income

RM

Annual EPF employee contribution

RM

Relief capped at RM4,000 automatically.

Claiming spouse relief (RM4,000 — spouse has no income)

Children claimed (RM2,000 each, standard rate)

Other reliefs (lifestyle, medical, insurance, etc.)

RM

Estimated annual tax

RM 0.00

On chargeable income after reliefs, using resident brackets.

Chargeable income

RM 0.00

Est. monthly PCB

RM 0.00

Effective tax rate

0.0%

Reliefs applied

Reduces chargeable income

Individual reliefRM 9,000.00

EPF relief (capped RM4,000)RM 0.00

Spouse + childrenRM 0.00

Other reliefsRM 0.00

Take-home after tax

Annual

Gross annual incomeRM 0.00

Estimated annual taxRM 0.00

Net of income taxRM 0.00

Loan / EMI

Monthly instalment and interest cost — for reducing-balance loans (home, personal) or flat-rate hire-purchase financing (most Malaysian car loans).

Loan details

Interest method

Standard for home and most personal loans — interest charged on the outstanding balance.

Loan amount

RM

Interest rate (per annum)

%

Tenure

yrs

Monthly instalment

RM 0.00

Over the full tenure.

Total interest

RM 0.00

Total repayment

RM 0.00

Approx. effective rate

—

Yearly breakdown

Principal vs. interest

Year	Principal paid	Interest paid	Balance remaining

EPF Retirement Projection

A rough projection of how your EPF (KWSP) savings could grow from today to retirement age, based on contributions and dividends.

Your position

Current age

Retirement age

Current EPF balance

RM

Monthly wage

RM

Employee %

%

Employer %

%

Annual salary growth

%

EPF dividend rate

%

Spread savings over (post-retirement)

yrs

Projected balance at retirement

RM 0.00

Growing for 0 years to age 60.

Total contributions

RM 0.00

Total dividends earned

RM 0.00

Est. monthly, spread out

RM 0.00

Balance every 5 years

Simplified — dividend applied annually

Age	Monthly wage	Annual contribution	Balance

Stamp Duty (Property)

Memorandum of Transfer and loan agreement stamp duty for a property purchase in Malaysia, using the standard ad valorem scale.

Purchase details

Property price

RM

Loan amount (for loan agreement duty)

RM

First-time homebuyer exemption applies

Total stamp duty payable

RM 0.00

Memorandum of Transfer + loan agreement.

MOT duty

RM 0.00

Loan agreement duty

RM 0.00

Exemption saved

RM 0.00

MOT rate scale applied

Ad valorem, tiered on price

First RM100,0001%

RM100,001 – RM500,0002%

RM500,001 – RM1,000,0003%

Above RM1,000,0004%