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Salary Calculator Malaysia马来西亚薪水计算器

Two views of the same salary. Staff see what actually lands in the bank; employers see what the hire really costs once their own EPF, SOCSO and EIS contributions are added on top.同一份薪水，两个角度。员工看真正进户口的是多少；老板看加上自己那份 EPF、SOCSO 与 EIS 之后，请这个人到底花多少。

Salary details薪水资料

Uses the official EPF, PERKESO and LHDN tables.依据 EPF、PERKESO 与 LHDN 官方表格计算。

RM
RM
RM
Monthly take-home pay每月实拿
RM 0

What comes out of your pay从你薪水扣掉的部分

    What it costs the employer雇主要付出的成本

    Paid by the company on top of your salary — not deducted from you.由公司在薪水之外额外支付，不从你薪水扣。

      How this is calculated计算方式说明

      What actually gets deducted from a Malaysian payslip

      Four things come out of your gross salary, and only one of them is tax.

      EPF (KWSP)

      The statutory employee rate is 11%, and the employer adds 13% on top for wages up to RM5,000, or 12% above that. This is not a deduction in the ordinary sense — it is your money, going into your own retirement account. EPF is calculated from an official schedule of RM20 wage bands, with each contribution rounded up to the next ringgit, which is why the figure is rarely a clean percentage.

      Employees aged 60 and above contribute 0%, with the employer contributing 4%. Foreign workers have contributed 2% employee and 2% employer since October 2025.

      SOCSO (PERKESO)

      SOCSO covers workplace injury and invalidity. The employer pays roughly 1.75% and the employee 0.5%. We look the exact ringgit amounts up from the official PERKESO schedule rather than calculating them, because the published figures do not follow a single rounding rule — at a RM1,750 wage the employer's share rounds up, at RM3,050 it rounds down.

      The wage ceiling is RM6,000, raised from RM5,000 in October 2024 — so the maximum employee invalidity contribution is RM29.75 and the maximum employer contribution is RM104.15, no matter how much you earn.

      Employees aged 60 and over move to category 2: employment injury cover only, paid entirely by the employer.

      SKBBK — "LINDUNG 24 Jam" (the new one)

      This is the deduction that appeared on payslips in June 2026 and confused everybody. It is a separate scheme introduced by the Employees' Social Security (Amendment) Act 2026, covering accidents that happen outside working hours — sports, driving on a weekend, an accident at home. Ordinary SOCSO does not cover those, and PERKESO rejected over 20,000 claims in 2024 for exactly that reason.

      Two things about it are commonly misunderstood:

      • It did not replace anything. Your existing SOCSO contributions are unchanged. SKBBK is charged on top.
      • The employer pays nothing towards it. This one is funded entirely by the employee. The employer's only role is to deduct it and remit it. That is genuinely unusual — every other statutory contribution is shared.

      The rate is 0.75% of monthly wages in phase one (1 June 2026 to 31 May 2028), rising to 1.00% and then 1.25% in later phases, capped at the same RM6,000 wage ceiling — a maximum of RM44.65 a month.

      On 8 July 2026 the Cabinet made the scheme voluntary for local employees. Note carefully that it is an opt-out, not an opt-in: the deduction keeps coming out of your pay until you file the waiver yourself. The online form opened on 13 July 2026. Your employer is not allowed to submit it on your behalf. It remains mandatory for foreign workers.

      EIS (SIP)

      The Employment Insurance System pays you a temporary income if you lose your job. It costs 0.2% from each side, capped at the same RM6,000 wage ceiling — a maximum of RM11.90 each. It applies to employees aged 18 to 59 and does not cover foreign workers.

      PCB / MTD — the actual tax

      PCB is your income tax, collected monthly rather than in one lump at filing. Our estimate annualises your salary, subtracts the standard reliefs you are certain to get, runs it through the current tax bands and divides by twelve.

      LHDN's official formula is more detailed — it factors in marital status, whether your spouse works, how many children you have, zakat paid and what has already been deducted earlier in the year. Treat our number as a close guide rather than an exact match to your payslip.

      For employers: the real cost of a hire

      A RM4,000 salary does not cost you RM4,000. Add the employer's EPF, SOCSO and EIS and you are closer to RM4,600 a month before you count bonuses, the HRD Corp levy, annual leave, medical benefits or the cost of recruiting in the first place. The employer panel above shows this properly, because budgeting off the gross salary alone is how businesses end up short.

      马来西亚薪水单上到底扣了什么

      从你的总薪水里会扣掉四样东西，其中只有一样才是税。

      EPF（公积金 KWSP）

      法定员工缴纳率为 11%，雇主另外再加 13%（薪水 RM5,000 以下）或 12%（超过 RM5,000）。严格来说这不算「被扣钱」—— 那是你自己的钱，进的是你自己的退休户口。EPF 依官方的 RM20 薪金级距表计算，每笔金额向上进位到整令吉，所以算出来的数字很少刚好是整齐的百分比。

      年满 60 岁的员工缴 0%，雇主缴 4%。外籍员工自 2025年10月起，员工与雇主各缴 2%。

      SOCSO（社险 PERKESO）

      SOCSO 保障工伤与残疾。雇主约缴 1.75%、员工 0.5%。我们的金额是直接查 PERKESO 官方缴纳表，而不是用公式算的 —— 因为官方公布的数字并不遵循单一的取整规则：薪金 RM1,750 时雇主部分进位，RM3,050 时却是舍去。

      薪金上限为 RM6,000（2024年10月从 RM5,000 上调）—— 所以不论你赚多少，员工残疾部分最多缴 RM29.75、雇主最多缴 RM104.15。

      年满 60 岁的员工转为第二类：只保工伤，且全额由雇主承担。

      SKBBK —— 「Lindung 24 Jam」（新增的那笔）

      这就是 2026年6月开始出现在薪水单上、让大家一头雾水的那笔扣款。它是《雇员社会保险（修正）法令 2026》新设的独立计划，保障工作时间以外发生的意外 —— 运动受伤、周末开车、在家出事。这些原本的 SOCSO 都不保，PERKESO 在 2024 年就因为这个理由拒绝了超过两万宗索赔。

      关于它，有两点最常被误解：

      • 它没有取代任何东西。你原本的 SOCSO 缴纳完全不变，SKBBK 是额外加上去的。
      • 雇主一分钱都不缴。这笔完全由员工承担，雇主的角色只是代扣代缴。这在法定缴纳里其实很少见 —— 其他每一项都是劳资分摊的。

      第一阶段费率为月薪的 0.75%（2026年6月1日至2028年5月31日），之后分阶段调升至 1.00%、1.25%，同样以 RM6,000 为薪金上限 —— 每月最多 RM44.65。

      2026年7月8日，内阁将本计划改为本地员工自愿参与。但要特别注意，机制是 opt-out（退出制）而非 opt-in：在你自己提交退出申请之前，这笔钱会照扣。线上表格已于 2026年7月13日开放。雇主不能代你提交。对外籍员工仍属强制。

      EIS（就业保险 SIP）

      就业保险制度在你失业时提供一段时间的收入补助。劳资双方各缴 0.2%，同样以 RM6,000 为薪金上限 —— 双方各自最多 RM11.90。适用于 18 至 59 岁的员工，不涵盖外籍员工。

      PCB / MTD —— 这才是真正的税

      PCB 就是你的所得税，只是改为按月预扣，而不是报税时一次过缴。我们的估算方式是：把月薪年化、减去你必定能拿到的标准扣税额、套入现行税率级距，再除以十二。

      LHDN 的官方公式更细 —— 还会计入婚姻状况、配偶是否有收入、子女人数、已缴天课，以及年内先前已扣缴的金额。所以请把我们的数字当作接近的参考，而不是与薪水单完全一致的结果。

      给老板：请一个人的真实成本

      月薪 RM4,000 的员工，成本不是 RM4,000。加上雇主的 EPF、SOCSO 与 EIS，每月已接近 RM4,600 —— 而这还没算花红、HRD Corp 征费、年假、医药福利，以及当初招聘的成本。上方的雇主面板会把这些算清楚，因为只按总薪水做预算，正是很多生意最后钱不够用的原因。

      Frequently asked questions常见问题

      How much EPF is deducted from a RM4,000 salary?RM4,000 的薪水会扣多少 EPF？
      RM440 from the employee at the statutory 11% rate, plus RM520 contributed by the employer at 13% — so RM960 goes into your EPF account each month, even though only RM440 leaves your payslip. EPF uses RM20 wage bands with contributions rounded up to the next ringgit, so at some salaries the figure is a ringgit or two above a straight percentage.员工按法定 11% 扣 RM440，雇主再按 13% 缴 RM520 —— 所以每个月进你 EPF 户口的是 RM960，虽然薪水单上只少了 RM440。EPF 采用 RM20 薪金级距、金额向上进位到整令吉，所以某些薪水算出来会比直接乘百分比多出一两令吉。
      Why did my SOCSO stop increasing after RM6,000?为什么我的 SOCSO 到了 RM6,000 之后就不再增加？
      Because RM6,000 is the wage ceiling for both SOCSO and EIS, raised from RM5,000 in October 2024. Above that salary your contribution is frozen at the maximum: RM29.75 employee and RM104.15 employer for SOCSO, and RM11.90 each for EIS. EPF has no ceiling and keeps rising with your salary.因为 RM6,000 是 SOCSO 与 EIS 的薪金上限（2024年10月从 RM5,000 上调）。超过这个薪水后，缴纳额就固定在顶格：SOCSO 员工 RM29.75、雇主 RM104.15，EIS 双方各 RM11.90。EPF 则没有上限，会随薪水继续增加。
      At what salary do I start paying income tax in Malaysia?在马来西亚，薪水多少才开始要缴所得税？
      Roughly RM3,000 a month is the usual threshold for a single person with no extra reliefs. After the RM9,000 individual relief and your EPF relief, annual chargeable income needs to exceed RM5,000 before any tax applies at all — and the RM400 rebate wipes out the tax entirely for chargeable income up to RM35,000. Claiming more reliefs pushes the threshold higher.对没有额外扣税项目的单身人士来说，大约月薪 RM3,000 是常见的起点。扣掉 RM9,000 个人扣税额与 EPF 扣税额后，年度可课税收入要超过 RM5,000 才开始有税 —— 而可课税收入在 RM35,000 以内时，RM400 回扣会把税额完全抵消。申报的扣税项目越多，起征点越高。
      Does my employer's EPF contribution count as my income?雇主缴的 EPF 算是我的收入吗？
      It is your money in the sense that it goes into your EPF account and is yours on withdrawal, but it is not taxable income and it does not appear on your payslip as pay. That is exactly why the employer panel above exists — the true cost of employing you is meaningfully higher than the salary figure in your contract.从「进了你的 EPF 户口、提领时属于你」这一点来说，那是你的钱；但它不算应课税收入，也不会以薪资形式出现在薪水单上。这正是上方雇主面板存在的原因 —— 雇用你的真实成本，明显高于合约上那个薪水数字。

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