What you take home, why the first months are higher, and when you get money back
Two things come off before you're paid: income tax (PCB) and EPF (2%). Tax goes to the government and is gone — but EPF is different.
EPF goes into a retirement-fund account in your name (not to the government). Your employer adds another 2%, it earns a yearly dividend, and — importantly — you can take the whole balance out, tax-free, when you leave Malaysia for good. So it lowers your cash now, but you get it back.
This tool already factors in a spouse, children and EPF. Certain expenses (insurance, lifestyle, medical) can lower the tax a little more — sorted when you file.
It's a standard estimate so you know what to expect — for your exact figure, ask a tax advisor.
Resident rates: YA 2025 (LHDN), standard RM9,000 relief. Non-residents: flat 30%. EPF 2% (employee) mandatory for Employment Pass holders since Oct 2025 — your money, withdrawable when you leave, not a tax. Residency via the 182-day rule incl. the cross-year bridge.
A friendly estimate to set expectations — not tax advice. Confirm your exact figures with
LHDN or a tax advisor.