Malaysia Income Tax Calculator

Estimate your income tax for the year of assessment. Enter your income and reliefs to see your tax payable, effective rate, and how to reduce it legally.

Official source, coverage and how this is calculated: see our data methodology →

Annual income (RM)

Zakat paid (RM, optional)

Joint assessment (spouse with no income)

Your tax reliefs

Enter what you can claim — each reduces your taxable income up to its cap. EPF and life insurance share a combined RM 7,000.00 cap.

Individual & dependent relatives (max RM 9,000.00)

EPF / approved provident fund (max RM 4,000.00)

Life insurance / takaful premiums (max RM 3,000.00)

Private Retirement Scheme (PRS) & deferred annuity (max RM 3,000.00)

SSPN net savings (child education) (max RM 8,000.00)

Education & medical insurance (max RM 3,000.00)

Lifestyle (books, devices, internet, sports) (max RM 2,500.00)

Medical expenses (serious illness, self/spouse/child) (max RM 10,000.00)

Medical / care for parents (max RM 8,000.00)

Spouse / alimony (spouse with no income) (max RM 4,000.00)

Each child under 18 (max RM 2,000.00)

SOCSO / EIS contributions (max RM 350.00)

Estimated income tax payable

RM 2,710.00

Chargeable income: RM 61,000.00Effective rate: 3.9%Marginal rate: 11%

How to reduce this legally

At your 11% marginal rate, these unused reliefs could still cut your bill this year:

Medical expenses (serious illness, self/spouse/child): RM 10,000.00 unused

Claiming the full relief could save you about RM 1,100.00 in tax — typically via eligible medical expenses.

SSPN net savings (child education): RM 8,000.00 unused

Claiming the full relief could save you about RM 880.00 in tax — typically via an SSPN education savings account.

Medical / care for parents: RM 8,000.00 unused

Claiming the full relief could save you about RM 880.00 in tax — typically via eligible medical expenses.

Estimates only — the actual saving depends on your full assessment. Not financial advice.

Where these figures come from

LHDN — YA 2024 / YA 2025 (resident individual)pending review
LHDN — YA 2024 / YA 2025pending review
LHDN — YA 2024 / YA 2025pending review

Figures marked pending review are being fact-checked against the primary source by our editor before final publication. Always confirm the current-year figure with the official source before acting on it.

Reliefs that also build your wealth

These reduce your tax and grow your money at the same time.

money.com.my may earn a commission if you apply through this link.

Frequently asked questions

How is Malaysian income tax calculated?

Your total income for the year, minus tax reliefs, gives your chargeable income. That is taxed on a progressive scale — the first RM5,000 is tax-free, and higher slices are taxed at rising rates up to 30%. Rebates (including for chargeable income up to RM35,000) and zakat are then deducted from the tax figure.

What tax reliefs can I claim?

Common reliefs include the automatic individual relief (RM9,000), EPF and life insurance (combined RM7,000), lifestyle (RM2,500), SSPN education savings (RM8,000), PRS and deferred annuity (RM3,000), medical expenses, parents' care, and more. Each has a cap. This calculator lets you enter the main ones and see the effect.

How can I legally reduce my tax?

Claim every relief you are entitled to. Contributing to a PRS, topping up SSPN, or holding qualifying insurance/takaful all reduce your chargeable income — so at, say, a 19% marginal rate, RM3,000 of PRS relief is worth about RM570 in tax saved. The calculator flags your unused reliefs and the potential saving.

Is this the exact tax I'll pay?

It's a close estimate using the current-year resident schedule. Your final assessment depends on your complete relief claim and any other income or rebates. Always confirm with LHDN's e-Filing before filing.