Know what you'll take home, before the payslip arrives.

PCB

Monthly tax using 2026 LHDN bands, personal relief, spouse, children, and the RM400 rebate.

EPF

Employee 11%, employer 12% or 13% by wage band. Age 60+ uses the lower rate. Outlook to age 55 with your contributions, employer contributions, and the latest KWSP dividend.

EIS

Job-loss cover at 0.2% each side, wage ceiling RM6,000, same as PERKESO.

Car and house

Hire purchase plus petrol, insurance, maintenance, toll, and parking, or a reducing-balance home loan plus maintenance, assessment, insurance, and repairs, against this month's take-home. Planning numbers, not a bank offer.

AI after you sign in

Suggestions on leftover pay, tax reliefs, and a 50 / 30 / 20 split. Saving results needs an account.

What GajiWise answers

What is my net salary in Malaysia after PCB, EPF, EIS, and SOCSO? What does this salary work out to per working day and per hour? How much EPF could sit there by 55 at the latest KWSP dividend? How does a yearly raise change take-home and PCB? How much is left after rent, food, and transport this month? How large a 3-month or 6-month emergency fund is? Does this car or this house fit a 30% take-home cap? Is this job offer actually better than my current payslip?

The calculator, the monthly budget, and the car and house affordability checks are free and need no account. Estimates are for planning, not payroll filing or a loan approval.