Frequently Asked Questions
Straight answers, including the questions competitors tend to bury.
How accurate are these numbers?
We use the current published EPF, SOCSO, EIS and LHDN rates and the same annualisation logic LHDN's formula method uses for PCB. Two things can still cause a small gap from your real payslip: EPF's official table rounds to fixed bands for wages under RM20,000 (we use the exact percentage instead), and your employer's payroll software may apply company-specific allowances or deductions we don't know about. Treat this as a close estimate for planning, not a legal record.
Do you store or see my salary information?
No. Every calculation runs in JavaScript inside your own browser tab. Nothing you type is sent to a server, logged, or saved anywhere — refresh the page and it's gone.
Why does my PCB show RM0?
This is normal, not a bug. PCB is only owed once your annual chargeable income (income after reliefs) rises above the tax-free band — currently the first RM5,000 of chargeable income is taxed at 0%, and reliefs like the automatic RM9,000 individual relief and your EPF contribution often push moderate salaries below the taxable threshold entirely.
I'm not a Malaysian citizen — do the same rules apply to me?
Partly. EPF became mandatory for non-Malaysian employees at 2%+2% from October 2025. SOCSO covers non-Malaysians under the Employment Injury Scheme only (employer-paid), and EIS doesn't apply to non-Malaysians at all. For tax, this calculator assumes non-Malaysian means non-resident (a flat rate, no reliefs) as a simplifying default — but tax residency actually depends on how many days you spend in Malaysia, not your passport. If you've been working here for more than about six months, you may in fact qualify as a resident for tax purposes and should check with LHDN or a tax agent.
Why is there a ceiling on SOCSO and EIS but not EPF?
SOCSO and EIS are insurance schemes designed to replace a portion of income up to a reasonable level, so PERKESO caps the wage they're calculated on (RM6,000 since October 2024). EPF is a savings scheme, not insurance, so contributions scale with your full wage without a ceiling (aside from the banded-table rounding for lower wages).
What's the difference between what I pay and what my employer pays?
Your share (the 'employee contribution') is deducted directly from your gross salary and is what actually reduces your take-home pay. Your employer's share (the 'employer contribution') is paid on top of your salary, out of the company's own funds — it doesn't touch your paycheck, but it is part of what you actually cost your employer to hire.
Can I use this if I'm a freelancer or run my own business?
If you're genuinely self-employed (a contract for service, not a contract of service), EPF, SOCSO, EIS and PCB withholding don't apply to you the way they do to employees — you'd contribute to EPF voluntarily if you choose to, and pay tax annually via Form B rather than monthly. Select 'Self-employed / freelance' as your employment type and the calculator will reflect that.
Does this replace my employer's payroll system or a tax agent?
No — treat every number here as a planning estimate. For your actual payslip, payroll deductions, or tax filing, always defer to your employer's payroll team, the official KWSP/PERKESO portals, or a licensed tax agent.