Berapa gaji bersih sebenar anda di Malaysia?

Gaji, cukai pendapatan dan EPF dalam satu perjalanan, bersama alat zakat, faraid dan pinjaman. HelloKalku provides free, private tools for practical decisions and learning in Malaysia.

From payslip to plan, in three steps

1. Salary calculator — monthly pay after EPF, SOCSO, EIS, the new SKBBK deduction and PCB, with a foreign-worker mode and employer cost view.
2. Income tax calculator — add reliefs to see your YA 2026 tax and monthly PCB.
3. EPF retirement calculator — project your balance against the Basic Savings target.

Rates were last verified on 2026-10-27 against KWSP, PERKESO and LHDN. Built by Mustofa Amami — see our methodology.

Loans, savings and Islamic finance

• Housing Loan Calculator (Malaysia) — Monthly home loan repayment plus stamp duty, legal fees, and total upfront cash needed.
• Car Loan Calculator (Malaysia) — Monthly hire purchase instalment from the flat rate, plus the true effective interest cost.
• Fixed Deposit Calculator (Malaysia) — Maturity value and interest earned on a fixed deposit, with auto-renewal compounding.
• Zakat Calculator — Estimate annual zakat obligation across major zakatable asset classes.
• Faraid Calculator — Islamic inheritance share calculator with detailed heir distribution.
• Wasiat Guide — Step-by-step Islamic will guidance with printable planning checklist.

Learn how the numbers work

• 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.