Plan your Malaysian taxes, EPF, and property with confidence

Income Tax

0-30% bands.

Take-Home Pay

After PCB, EPF, SOCSO.

Tax Bracket

Marginal band.

Effective Tax Rate

Average vs marginal.

Non-Resident Tax

Flat 30%.

Joint vs Separate

Spouse assessment.

Bonus Tax

PCB on bonus.

SOCSO & EIS

Employee + employer.

Overtime Pay

OT rates.

Salary Increment

After a raise.

Annual Leave Encashment

Unused leave payout.

Annual to Monthly Salary

Monthly pay.

Hourly to Salary

Annualise a wage.

Minimum Wage

RM1,700 base.

Departure Levy

Air travel levy.

Tourism Tax

Per room per night.

Tax Relief Summary

Total reliefs.

Lifestyle Relief

Books, devices, sport.

Medical Relief

Serious illness, checkups.

Parent Medical Relief

Parents' care.

Child Relief

Per child.

Childcare Relief

Nursery fees.

Spouse Relief

Non-earning spouse.

Education Fees Relief

Self up-skilling.

SSPN Relief

Education savings.

Housing Loan Interest Relief

First-home interest.

EPF & Life Insurance Relief

Combined RM7,000.

EV Charging Relief

Home charger.

Self-Employed Tax

Sole prop.

Freelancer Self-Contribution

EPF i-Saraan, SOCSO.

Contractor Day Rate

Day-rate to net.

Sole Prop vs Sdn Bhd

Structure tax.

Corporate Tax

17% / 24%.

SME Tax Savings

SME rate benefit.

SST

Sales & service tax.

SST Registration

Threshold check.

Invoice SST

SST on an invoice.

Business Runway

Months of cash.

Break-Even

Units to profit.

EPF Contribution

Employee + employer.

EPF Account Split

Akaun 1/2/3.

EPF Dividend

Annual dividend.

EPF Retirement Projection

Balance at 55.

EPF Basic Savings Adequacy

Age-based target.

EPF Shortfall Top-Up

Gap to target.

EPF Voluntary (i-Saraan)

Self-employed top-up.

EPF Withdrawal Age 55

Full withdrawal.

EPF Nomination Payout

Beneficiary split.

EPF vs PRS

Compare returns.

PRS Relief

RM3,000 relief.

Salary Sacrifice (EPF)

Extra EPF.

Gratuity

End-of-service pay.

Retirement Savings

Balance at 60.

Retirement Income

Drawdown.

FIRE

Financial independence.

Coast FIRE

Coast to 60.

Mortgage

Repayment + interest.

Affordability

How much you can borrow.

Progressive Payment

Under-construction loan.

Refinance

Saving + break-even.

Property Purchase Cost

Total upfront cost.

Stamp Duty

MOT stamp duty.

First-Home Stamp Duty Exemption

Exemption check.

Loan Agreement Stamp Duty

0.5% of loan.

Quit Rent & Assessment

Cukai tanah + pintu.

MRTA vs MLTA

Mortgage cover.

Rent vs Buy

Buy or rent + invest.

Rental Yield

Gross + net yield.

Rental Income Tax

Net rent, deductions.

Property Capital Growth

Projected value.

RPGT

Real property gains tax.

RPGT (Company)

Company disposal.

RPGT (Foreigner)

Non-citizen rate.

Compound Interest

Growth projection.

Fixed Deposit

FD maturity.

Dollar-Cost Averaging

Regular investing.

ASB / ASNB

Unit trust returns.

ASB Loan

Financed ASB.

Unit Trust

After fees.

REIT Dividend

Distribution yield.

Dividend Tax

2% on high earners.

Dividend Reinvestment

DRIP growth.

CGT (Unlisted Shares)

Capital gains tax.

Tabung Haji

Hajj savings.

Net Worth

Assets minus debts.

Budget (50/30/20)

Needs / wants / savings.

Emergency Fund

Cash buffer.

Savings Goal

Monthly to a target.

Debt Payoff

Time + interest.

Credit Card Payoff

Clear the balance.

Personal Loan

Repayments.

Car Loan

Vehicle finance.

Loan Eligibility (DSR)

Debt-service ratio.

PTPTN Repayment

Study loan.

Inflation

Real value.

Zakat

Wealth + income zakat.

Life Insurance Needs

Cover gap.

Income Protection

If you cannot work.

Critical Illness Cover

Lump-sum cover.

Term vs Whole Life

Which policy.

Medical Card Cost

Long-run premium.