Your take-home pay is your gross salary minus EPF (11%), SOCSO (about 1.25% of wages up to RM6,000 a month, worked out from PERKESO's contribution table), EIS and PCB, the monthly tax your employer withholds. On RM5,000 a month that is about RM4,268.20 after about RM110 of estimated PCB.
Rates as of 10 October 2026. Sources: LHDN, KWSP (Act, AGC), PERKESO, PERKESO. An estimate, not tax or financial advice.
Official source, coverage and how this is calculated: see our data methodology →
Enter your gross monthly salary to see net pay after EPF, SOCSO, EIS and estimated tax.
The injury-outside-work part of SOCSO (0.75% of your wages) has been voluntary for local employees (including permanent and temporary residents) since 8 July 2026. PERKESO's opt-out period ran from 13 July to 31 August 2026. For a newly registered local employee, the employer submits a Notice of Release of Liability if the employee chooses to opt out before the first month's contribution is deducted. Tick this only if you opted out. Foreign workers must pay it.
SOCSO is about 1.25% of wages up to RM 6,000: 0.5% invalidity plus 0.75% LINDUNG 24 Jam. The amount is PERKESO's table figure for your wage band. Rates are the First Phase of the 2026 amendment (1 June 2026 to 31 May 2028).
On top of your salary — this does not reduce your take-home.
PCB is an estimate using the annualised method (individual + EPF relief only). Your actual monthly tax depends on your full relief claim — use the income tax calculator for a fuller picture.
A tax-resident employee aged 30 on RM5,000 gross a month, no bonus, claiming only the automatic individual relief and EPF relief, enrolled in LINDUNG 24 Jam.
| EPF, employee share (11%) | RM550 |
|---|---|
| SOCSO, employee share (PERKESO table) | RM61.90 |
| EIS, employee share (PERKESO table) | RM9.90 |
| PCB (estimated monthly tax) | RM110 |
| Total deductions | RM731.80 |
| Take-home pay | RM4,268.20 |
| Employer pays on top (EPF, SOCSO, EIS) | RM746.55 |
Take-home is RM4,268.20 a month. The PCB figure is an estimate by the annualised method; your payslip follows LHDN's monthly schedule and can differ by a few ringgit.
A Malaysian payslip has four statutory deductions. EPF (Employees Provident Fund) is your retirement savings — the employee share is usually 11%, matched by an employer contribution of 12–13%. SOCSO (PERKESO) covers workplace injury, invalidity and, since 1 June 2026, injury outside work (LINDUNG 24 Jam, which is voluntary for local employees and mandatory for foreign workers), and EIS insures you against job loss — both are small percentages capped at a monthly wage ceiling. PCB is the income tax your employer withholds each month on behalf of LHDN.
Only the employee share of each is deducted from your pay. The employer contributions are a real cost to your employer but never reduce your take-home — they are why your total remuneration package is worth more than your gross salary.
Your net take-home is your gross salary minus four deductions: EPF (employee share, usually 11%), SOCSO (1.25% of wages up to a ceiling of RM6,000 in the First Phase of the 2026 amendment, 1 June 2026 to 31 May 2028, then 1.5% from 1 June 2028 and 1.75% from 1 June 2031; 0.5% if you opted out of LINDUNG 24 Jam, which is voluntary for local employees since 8 July 2026 and mandatory for foreign workers), EIS (0.2% up to the same ceiling) and PCB (monthly income tax). This tool applies each and shows the breakdown, using the SOCSO phase for today's date. The SOCSO employee share was 0.5% before 1 June 2026.
LINDUNG 24 Jam is the non-employment injury scheme that SOCSO added on 1 June 2026. It covers accidents outside work, and the employee alone pays for it: 0.75% of wages up to RM6,000 in the First Phase, 1.0% from 1 June 2028 and 1.25% from 1 June 2031. Since 8 July 2026 it has been voluntary for local employees (including permanent and temporary residents) and mandatory for foreign workers. Local employees are enrolled by default. PERKESO's opt-out period ran from 13 July to 31 August 2026, and employees who had not opted out by then stay covered ("Once In, Always In"). For a newly registered local employee, the employer submits a Notice of Release of Liability if the employee chooses to opt out before the first month's contribution is deducted. Someone who opted out can opt back in. If you opted out you pay only the 0.5% invalidity share, or nothing at 60 and over, and you have no LINDUNG 24 Jam cover for accidents outside work. Tick "I opted out of LINDUNG 24 Jam" in the calculator to see your own figure.
PCB (Potongan Cukai Bulanan, also called MTD) is the monthly income tax your employer withholds and pays to LHDN. This calculator estimates it by the annualised method: it annualises your pay, subtracts your individual and EPF relief, works out the year's tax on the resident rate table and divides by 12. LHDN's own PCB schedule works month by month and uses the reliefs you declare to your employer, so your payslip can differ by a few ringgit. Use the income tax calculator for a full-year figure with all your reliefs.
No. The employer contribution (13% at or below RM5,000 monthly wage, 12% above) is paid on top of your salary and does not reduce your take-home. Only the employee share is deducted from your pay.
The statutory employee EPF rate for members under 60 is 11% (Third Schedule, Part A of the EPF Act 1991). The government has at times allowed a temporarily reduced employee rate, but that is not the current statutory rate, so the 9% choice is only for modelling an older payslip or a deliberately lower deduction. Employees who are Malaysian citizens aged 60 and above contribute 0% themselves and their employer pays 4%. Pick the rate that matches your situation to see the effect on take-home.
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