What is the difference between PCB and actual tax?

PCB is the estimated tax deducted every month based on your salary alone. Your actual tax is calculated when you e-File, with all your reliefs. If your PCB was more than your actual tax, you get a refund.

How can I reduce my tax?

Maximise every relief you are eligible for: EPF (RM4,000), insurance or takaful (RM3,000), SSPN (RM8,000), lifestyle (RM2,500) and medical (RM10,000). Zakat is the most effective, because it is deducted directly from your tax.

Do I need to file tax if my salary is below RM3,000?

If your annual income is below RM37,333 after EPF, you are not required to file. But if PCB was deducted from your salary, it is worth filing so you can claim a refund.

Salary tax calculator 2026.

Estimate your income tax from your monthly salary, with a guide for each salary level.

Start calculating Guides by salary

Must file above
RM 37,333 / yr
Roughly
RM 3,500 / mo
EPF relief cap
RM 4,000

Calculate your salary tax

Results update as you type. Nothing leaves your browser.

Monthly salary, before deductions

Monthly deductions

Check your payslip for exact amounts

EPF / KWSP, employee share

Percent of salary. Most employees contribute 11%

SOCSO / PERKESO

Monthly amount from your payslip

EIS / SIP

Monthly amount from your payslip

Note: this calculation uses basic reliefs only (EPF and individual relief). For a full calculation with all reliefs, use the full income tax calculator.

Enter your monthly salary
EPF + individual relief
Updated 2026
Guide for each salary level

Tax guide by salary level

Detailed calculations for common monthly salaries.

Ways to lower your tax

Maximise every relief you qualify for.

Ways to lower your tax
Relief	Up to
EPF	RM 4,000
Insurance / takaful	RM 3,000
SSPN	RM 8,000
Lifestyle	RM 2,500
Medical	RM 10,000

Zakat is the most effective: it comes straight off your tax, not your income.

See every relief

Questions

About salary tax in Malaysia

If your annual income exceeds RM37,333 after EPF deduction, you are required to file taxes. That is roughly RM3,500 a month. After reliefs, many people earning RM3,500 to RM4,000 may still owe no tax.