Free tool · No signup
Malaysia take-home salary calculator
Enter your monthly gross salary and see exactly what lands in your bank account after EPF, SOCSO and EIS — plus how much actually flows into your KWSP once your employer's share is counted. Same engine that powers IZ Finance, using PERKESO's real wage-band tables.
How your gaji bersih is calculated
Malaysian payslips take three statutory deductions off your gross salary before it reaches you. EPF (KWSP) is the big one: 11% of gross by default. SOCSO (PERKESO) and EISare small but fiddly — they're charged on RM100 wage bands rather than your exact salary, which is why online calculators that just multiply by a percentage are a few sen off your real payslip. This one reproduces the official contribution table.
Worked example: on a gross salary of RM4,200 you contribute RM462.00 to EPF, RM20.75 to SOCSO and RM8.30 to EIS — take-home RM3,708.95. Meanwhile your employer quietly adds RM546.00 (13%) to your KWSP, so RM1,008 of retirement money moved this month even though you never saw it.
The number most people never track
Your KWSP balance is usually the largest asset a Malaysian under 35 owns — bigger than their car, often bigger than their savings — and almost nobody counts it in their net worth. IZ Finance grows your KWSP asset automatically every time you log your salary, employer share included. Read more in our guide to take-home salary in Malaysia or see EPF vs ASNB for where extra savings should go.
Frequently asked
How is EPF calculated on my salary?+
The statutory employee contribution is 11% of your gross salary, deducted before you're paid. Your employer adds 13% on top for salaries of RM5,000 and below, or 12% above that — the employer share doesn't reduce your take-home, it goes straight into your KWSP account.
How are SOCSO and EIS calculated?+
PERKESO charges contributions on RM100 wage bands, not your exact salary: the employee share is 0.5% (SOCSO) and 0.2% (EIS) of the band midpoint, capped at the wage ceiling. That's why a RM4,200 salary gives SOCSO RM20.75 and EIS RM8.30 — matching your real payslip, not a naive percentage.
Does this calculator include PCB (income tax)?+
No. PCB depends on your tax reliefs, marital status and other income, so a one-size number would be wrong for most people. This calculator covers the statutory contributions everyone pays. Inside IZ Finance you can add PCB or any payslip line as a custom deduction so your tracked take-home matches your payslip exactly.
Is my salary stored anywhere?+
No. The maths runs entirely in your browser — nothing you type is sent to a server, stored, or used for anything.
What is the 40/20/40 split?+
A Malaysia-tuned budgeting rule: 40% of take-home for Needs (rent, food, transport), 20% for Wants, and 40% for Invest/savings. It's more aggressive than the Western 50/30/20 — that's the point. It's the default budget in IZ Finance.
Never do this math again.
Text gaji 4200 to your IZ Finance Telegram bot — take-home computed, KWSP asset grown, 40/20/40 budget set. Free during beta, no credit card.
Start free →