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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

      Up to five 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 not a straight percentage of your pay. The Third Schedule of the EPF Act groups wages into bands — RM20 wide up to RM5,000, and RM100 wide from there up to RM20,000 — and the contribution is worked out on the top of your band, then rounded up to the next ringgit. KWSP's own example: on a salary of RM6,710.80 the employee pays RM748 and the employer RM816, not the RM738.19 and RM805.30 that multiplying by 11% and 12% would give. KWSP calls the straight percentage the "incorrect approach". Only above RM20,000 is the actual wage used.

      From age 60 a Malaysian citizen contributes 0% and the employer 4%. A permanent resident aged 60 or over is treated differently: 5.5% from the employee and 6.5% from the employer (6% above RM5,000). Foreign workers have contributed 2% from each side since October 2025, at any age, calculated on the actual wage. Contributions stop altogether at age 75, and nothing is due on a monthly wage of RM10 or less. If you want to put in more than the statutory rate, that is done through KWSP's i-Topup.

      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 (01/06/2026 to 31/05/2028), 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 08/07/2026 the Cabinet made the scheme voluntary for local employees, as an opt-out rather than an opt-in. Here is how that works, per PERKESO's own FAQ:

      • You are in by default. Only a local employee who wants out has to do anything.
      • Already employed at the time? The opt-out window ran from 13/07/2026 to 31/08/2026. Anyone who did not opt out then stays in — PERKESO's principle is "once in, always in".
      • Contributing to SOCSO for the first time? You can still opt out. Your employer registers you and submits the release notice (Notis Pelepasan Liabiliti) before the first month's deduction is made.
      • Opted out and changed your mind? You can opt back in at any time; cover and deductions start from the month you submit.
      • June 2026 was compulsory for everyone and is not refundable.
      • 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

      从你的总薪水里最多会扣掉五样东西，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 不是薪水直接乘百分比。《EPF 法令》第三附表把薪水分成一级一级 —— RM5,000 以下每 RM20 一级，RM5,000 到 RM20,000 每 RM100 一级 —— 缴纳额是照你那一级的上限来算，再向上进位到整令吉。KWSP 自己的例子：月薪 RM6,710.80，员工缴 RM748、雇主缴 RM816，而不是直接乘 11% 和 12% 得出的 RM738.19 和 RM805.30。KWSP 把直接乘百分比标为「错误的算法」。只有超过 RM20,000 才照实际薪水计算。

      满 60 岁之后，大马公民的员工部分是 0%、雇主 4%。满 60 岁的永久居民不一样：员工 5.5%、雇主 6.5%（月薪超过 RM5,000 是 6%）。外籍员工自 2025 年 10 月起劳资各缴 2%，不分年龄，照实际薪水计算。满 75 岁之后完全不用再缴；月薪 RM10 或以下也不用缴。如果想缴得比法定费率多，要透过 KWSP 的 i-Topup 办理。

      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%（01/06/2026 至 31/05/2028），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。

      08/07/2026，内阁将本计划改为本地员工自愿参与，机制是 opt-out（退出制）而非 opt-in。照 PERKESO 官方问答，实际是这样：

      • 预设是参加。只有想退出的本地员工才需要办手续。
      • 当时已经在职的：退出期是 13/07/2026 至 31/08/2026。那时没有退出的会一直留在计划里 —— PERKESO 的原则是「一旦参加，持续参加」。
      • 第一次缴 SOCSO 的新员工：现在还可以退出。由雇主替你登记，并在第一个月扣款之前提交退出通知（Notis Pelepasan Liabiliti）。
      • 退出之后改变主意：随时可以重新加入，保障和扣款从提交的那个月开始。
      • 2026 年 6 月那一个月对所有人都是强制的，不能退款。
      • 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 is worked out on wage bands (RM20 wide up to RM5,000, RM100 wide above that) and rounded up to the next ringgit, so at most salaries the figure is a little 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 是照薪金级距算的（RM5,000 以下每 RM20 一级，以上每 RM100 一级），金额再向上进位到整令吉，所以大部分薪水算出来会比直接乘百分比多一点。
      Why is my EPF higher than 11% of my salary?为什么我的 EPF 比薪水的 11% 还多？
      Because EPF is not calculated on your exact salary. The Third Schedule puts your wage into a band and charges 11% on the top of that band, rounded up to the next ringgit. On RM6,710.80, for example, the band is RM6,700.01 to RM6,800, so you pay 11% of RM6,800 — RM748, not RM738.19. KWSP publishes this example itself and labels the straight percentage as the incorrect approach. Only wages above RM20,000 are calculated on the actual figure.因为 EPF 不是照你确切的薪水算的。第三附表先把薪水归入一个级距，再按那一级的上限乘 11%，并向上进位到整令吉。以 RM6,710.80 为例，级距是 RM6,700.01 至 RM6,800，所以你缴的是 RM6,800 的 11% —— RM748，而不是 RM738.19。这个例子是 KWSP 自己公布的，并把直接乘百分比标为错误算法。只有超过 RM20,000 的薪水才照实际金额计算。
      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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