11% retirement savings
Under the EPF Act 1991, 11% of your salary goes into your EPF (KWSP) account every month. Your employer adds another 12–13% on top.
EPF Accounts 1, 2 & 3 explained →Free tool · 2026 rates
Net Salary
Calculator
Offer letter says RM5,000, but less lands in your bank on payday? Enter your gross salary — we show where every ringgit goes.
Your take-home pay · estimate
RM 0.00
- Gross pay gaji kasar—
- EPF 11%—
- SOCSO PERKESO 0.5%—
- EIS SIP 0.2%—
- PCB monthly tax—
- Net pay gaji bersih—
What your employer pays — not deducted from your salary
- Employer EPF 13%—
- Employer SOCSO 1.75%—
- Employer EIS 0.2%—
- True cost to employer—
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Where does your salary go?
These statutory deductions are set by the government to protect you as an employee — it's not your employer miscounting. When less lands in your bank than the offer letter said, part of it is savings for your own future.
Injury & invalidity insurance
Protection if you have a work-related accident or injury, become invalid, or pass away. A few ringgit a month, on a RM6,000 salary ceiling.
Help if you lose your job
The Employment Insurance System under the EIS Act 2017: financial aid and re-training if you are retrenched. 0.2% of your salary.
Monthly income tax
Monthly Tax Deduction under the Income Tax Act 1967, administered by LHDN. Estimated from your annual income after reliefs — smaller salaries usually pay zero PCB.
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Frequently asked questions
What is the difference between gross pay and net pay?
Gross pay (gaji kasar) is the full amount in your offer letter before any deductions. Net pay (gaji bersih) is what actually lands in your bank account after the statutory deductions — EPF, SOCSO, EIS and PCB — are taken out.
How much EPF is deducted from my salary?
Under the EPF Act 1991, employees contribute 11% of gross salary every month. Employers contribute 13% for salaries of RM5,000 and below, or 12% above that. The employer contribution is not deducted from your salary.
How much is the monthly SOCSO deduction?
The employee SOCSO (PERKESO) contribution is roughly 0.5% of salary, calculated on a RM6,000 salary ceiling — a maximum of about RM29.75 a month. SOCSO covers you for work-related accidents and injuries, invalidity and death.
What is EIS (SIP) and how much does it cost?
EIS (the Employment Insurance System, or SIP) under the Employment Insurance System Act 2017 provides financial assistance and re-training to employees who lose their jobs. The employee contribution is 0.2% of salary, on a RM6,000 ceiling — a maximum of RM11.90 a month.
What is PCB and how is it calculated?
PCB (Potongan Cukai Bulanan, or Monthly Tax Deduction) is income tax deducted monthly under the Income Tax Act 1967 and administered by LHDN. It is estimated from your annual income after reliefs (individual RM9,000, EPF up to RM4,000, SOCSO/EIS up to RM350, spouse and children) at progressive tax rates, divided by 12.
Why is my bank-in amount less than my offer letter?
It's not a payroll mistake. The offer letter states your gross pay; what reaches your bank is net pay after the statutory deductions the government requires to protect you — retirement savings (EPF), employment insurance (SOCSO, EIS) and tax (PCB).
Estimates only — actual contributions follow the KWSP/PERKESO schedules and the LHDN PCB table, which also account for bonuses, zakat and other reliefs. Check your payslip or LHDN for the final figures.