Guides & Financial Education
In-depth articles on Malaysian finance, Islamic wealth planning, and calculator tools.
- Malaysian Salary Deductions Explained: EPF, SOCSO, EIS & PCB (2026) — Understand every deduction on your Malaysian payslip — EPF, SOCSO, EIS, and PCB. Includes 2026 contribution rates, employer vs employee shares, and a worked example.
- How EPF (KWSP) Works in Malaysia: Contributions, Accounts & Withdrawals (2026) — A complete guide to Malaysia's EPF — contribution rates, the three-account structure (Persaraan, Sejahtera, Fleksibel), annual dividends, the basic savings target, and withdrawal rules.
- EPF Retirement Planning: How Much Do You Really Need to Retire in Malaysia? — A practical guide to retirement adequacy in Malaysia — the 4% rule, the EPF basic savings benchmark, age-based targets, and strategies to close your savings gap.
- Malaysia Income Tax 2026: Tax Brackets, PCB Deductions & Available Reliefs — Complete guide to Malaysia's personal income tax — 2026 progressive tax brackets, how PCB (monthly tax deduction) is calculated, all tax reliefs, and how to file your return.
- Zakat Harta in Malaysia: Types, Nisab & How to Calculate (2026) — A complete guide to zakat harta (wealth zakat) in Malaysia — types of zakatable wealth, how nisab is determined, and calculation methods for savings, gold, investments, and business assets.
- Faraid: Understanding Islamic Inheritance Distribution in Malaysia — How faraid (Islamic inheritance) works in Malaysia — who qualifies as an heir, fixed share allocations, the awl and hajb rules, practical examples, and what faraid does not cover.
- Wasiat and Hibah: Estate Planning Tools for Malaysian Muslims — How wasiat (Islamic will) and hibah (gift) work alongside faraid for comprehensive Muslim estate planning in Malaysia — differences, limitations, the one-third rule, and practical advice.
- SOCSO and EIS in Malaysia: Benefits, Contribution Rates & How to Claim (2026) — Everything you need to know about SOCSO (PERKESO) and EIS — what they cover, 2026 contribution rates, how to claim work injury or job loss benefits, and how to use MySocso.