Monthly Salary Breakdown Worksheet Malaysia 2026

Use this worksheet to calculate your monthly take-home pay and understand each deduction. Fill in your details in the shaded columns. All amounts in Malaysian Ringgit (RM).

Print this page and work through each step with a pen. By the end you will know exactly how much lands in your bank account and where every ringgit goes.

Step 1 — Your Monthly Earnings

Start by listing every source of pay you receive this month. Leave blank any row that does not apply to you.

Tip: Add up all rows above and write the total in the GROSS PAY row. This is the figure your employer reports to the government.

Step 2 — EPF Deduction (Employee 11%)

The Employees Provident Fund (EPF) is a mandatory retirement savings scheme. The employee rate is 11% for employees below age 60 (9% if above 60, but this worksheet covers the standard case).

EPF Calculation
────────────────────────────────────────
Basic Salary + Fixed Allowances:  RM ________
× 11% (employee rate):            × 0.11
────────────────────────────────────────
EPF Deduction (B):                RM ________

Note: EPF is calculated on basic salary plus fixed allowances only. Overtime pay, bonuses, and irregular payments are generally excluded from EPF computation.

Employer EPF Contribution (for reference — not deducted from your pay):

Employer EPF Contribution (not deducted from you):
If your basic salary ≤ RM5,000:   × 13% = RM ________
If your basic salary > RM5,000:   × 12% = RM ________

This employer contribution is deposited into your EPF account on top of your own 11%. It does not reduce your take-home pay.

Step 3 — SOCSO Deduction

SOCSO (Social Security Organisation) provides workers’ compensation and invalidity coverage. Contributions are capped at a monthly salary ceiling of RM5,000.

SOCSO Calculation
────────────────────────────────────────
Capped salary (max RM5,000):      RM ________
  (use your actual salary if ≤ RM5,000)
SOCSO Employee Rate:               ~0.5%
────────────────────────────────────────
SOCSO Deduction (C):              RM ________

Tip: Use the SOCSO Contribution Table on our website
for the exact cent-accurate amount for your salary band.

Quick reference — common salary bands:

If your salary is not in the table, use the SOCSO Contribution Table on our site to look up the exact amount for your income bracket.

Step 4 — EIS Deduction

The Employment Insurance System (EIS) is a social safety net that provides temporary financial assistance if you lose your job. Both employee and employer contribute 0.2% each, capped at RM5,000 monthly salary.

EIS Calculation
────────────────────────────────────────
Capped salary (max RM5,000):      RM ________
× 0.2% (employee rate):           × 0.002
────────────────────────────────────────
EIS Deduction (D):                RM ________
(Maximum: RM10.00 / month)

Note: If your calculation gives more than RM10.00, write RM10.00. The EIS contribution is capped regardless of salary level.

Step 5 — PCB / MTD (Monthly Tax Deduction)

PCB (Potongan Cukai Bulanan) — also called MTD (Monthly Tax Deduction) — is the income tax your employer withholds on your behalf and remits to LHDN. Unlike the deductions above, PCB is not a flat percentage. It is computed by your employer based on:

PCB Notes
────────────────────────────────────────
PCB is calculated by your employer based on:
• Your annual projected income
• Tax reliefs you declared on Borang TP1
• Your marital status and number of children

Your PCB this month (from payslip):  RM ________
(E)

To estimate your PCB: Use our PCB Calculator on this website.

To reduce your PCB: Submit Borang TP1 to your HR department declaring your eligible reliefs (EPF, lifestyle, medical, education, etc.). Your employer will adjust your monthly deduction accordingly.

Step 6 — Calculate Your Take-Home Pay

You now have everything needed to work out your net pay. Transfer the figures from Steps 1–5 into the summary below.

Summary
════════════════════════════════════════
(A) Gross Pay:                    RM ________
Less:
(B) EPF Deduction (11%):        − RM ________
(C) SOCSO Deduction:            − RM ________
(D) EIS Deduction:              − RM ________
(E) PCB / MTD:                  − RM ________
════════════════════════════════════════
NET PAY (Take-Home):              RM ________

This is the amount that should appear in your bank account on payday. Cross-check it against your payslip — if the figures differ, ask your HR or payroll department to clarify the discrepancy.

Step 7 — Annual Summary (Optional)

Use this section to project your full-year figures for budgeting or EPF planning.

Annual Figures
────────────────────────────────────────
Monthly Net Pay (from Step 6):    RM ________
× 12 months:                      × 12
────────────────────────────────────────
Annual Net Pay:                   RM ________

Total EPF Saved This Year:
  Employee (11% × 12 months):     RM ________
  Employer (12–13% × 12 months):  RM ________
────────────────────────────────────────
  Total EPF Annual:               RM ________

Reminder: Your EPF balance earns an annual dividend declared by EPF each year (historically 5%–6%). Compounding over a career makes the employer contribution especially valuable.

Tax Relief Tracker (Optional)

Use this mini-table to track your tax relief spending throughout the year. Keeping records as you go makes year-end e-Filing much faster.

“Auto” reliefs are calculated from your payslips and do not require receipts. Keep receipts for all other items.

Useful Links and Next Steps

• Salary Calculator — Get instant results online without pen and paper
• SOCSO Contribution Table — Look up the exact SOCSO amount for your salary band
• PCB Calculator — Estimate your monthly income tax deduction
• Tax Relief Checklist — Full list of reliefs to maximise your refund at year-end

All tools are available free on this website.