Monthly Gross Salary (RM)
Take-Home Pay
RM 3,532.00
after EPF + SOCSO + EIS
Total Employer Cost
RM 4,598.00
salary + employer contributions
Payslip Deduction Breakdown — RM 4,000/month
| Contribution | Employee (You) | Employer |
|---|---|---|
EPF (KWSP) 11% employee / 13% employer | RM 440 | RM 520 |
SOCSO 0.5% employee / 1.75% employer (cap RM5,000) | RM 20.00 | RM 70.00 |
EIS 0.2% each (cap RM5,000, max RM10) | RM 8.00 | RM 8.00 |
| Total Deduction | RM 468.00 | RM 598.00 |
💡 Note: Income Tax (PCB) not included
PCB varies by income level and personal reliefs. Use our PCB Calculator for your full take-home pay after tax.
EPF + SOCSO + EIS Reference Table 2026
| Salary (RM) | EPF (Emp) | EPF (Er) | SOCSO+EIS | Take-Home |
|---|---|---|---|---|
| RM 1,500 | RM 165 | RM 195 | RM 10.50 | RM 1,324.50 |
| RM 2,000 | RM 220 | RM 260 | RM 14.00 | RM 1,766.00 |
| RM 2,500 | RM 275 | RM 325 | RM 17.50 | RM 2,207.50 |
| RM 3,000 | RM 330 | RM 390 | RM 21.00 | RM 2,649.00 |
| RM 3,500 | RM 385 | RM 455 | RM 24.50 | RM 3,090.50 |
| RM 4,000 | RM 440 | RM 520 | RM 28.00 | RM 3,532.00 |
| RM 5,000 | RM 550 | RM 650 | RM 35.00 | RM 4,415.00 |
| RM 6,000 | RM 660 | RM 720 | RM 35.00 | RM 5,305.00 |
| RM 7,000 | RM 770 | RM 840 | RM 35.00 | RM 6,195.00 |
| RM 8,000 | RM 880 | RM 960 | RM 35.00 | RM 7,085.00 |
| RM 10,000 | RM 1,100 | RM 1,200 | RM 35.00 | RM 8,865.00 |
Employee 11% / Employer 13% (≤RM5k) or 12% (>RM5k). Take-home excludes PCB income tax.
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Frequently Asked Questions
How much EPF is deducted from my salary in 2026?
Employee EPF deduction is 11% of gross salary (for Malaysians aged under 60). Employer contributes 13% if your salary is RM5,000 or below, or 12% if above RM5,000. Example: RM3,000 salary → employee pays RM330, employer contributes RM390, total RM720/month into EPF. The new 3-account structure splits this into Akaun Persaraan (75%), Akaun Sejahtera (15%), Akaun Fleksibel (10%).
What is SOCSO and how much is deducted?
SOCSO (Social Security Organisation) protects employees against workplace injury and invalidity. Employee pays 0.5% of salary, employer pays 1.75%, both capped at a RM5,000 wage ceiling (max RM25 employee, RM87.50 employer per month). Employees aged 60 and above pay into Second Category only (Employment Injury Scheme) at lower rates.
What is EIS deduction in salary?
EIS (Employment Insurance System) is a job-loss insurance scheme. Both employee and employer each pay 0.2% of salary, capped at RM5,000/month (max RM10 each per month). If you're retrenched, EIS pays job search allowance for up to 6 months. Self-employed individuals and civil servants are not covered by EIS.
What is my take-home pay after EPF, SOCSO, and EIS?
Take-home pay = Gross salary − EPF (11%) − SOCSO employee (0.5%, max RM25) − EIS (0.2%, max RM10) − Income tax (PCB, varies). For RM3,000: RM3,000 − RM330 (EPF) − RM15 (SOCSO) − RM6 (EIS) = RM2,649 before income tax. Use this calculator to see your exact deductions by salary.
Does the employer EPF contribution belong to me?
Yes — 100% of employer EPF contributions go into your EPF account. It's part of your total compensation. When you resign or retire, both your own contributions and employer contributions (plus dividends) are yours. This is why EPF is effectively a 24% savings rate on your salary — 11% from you + 13% from employer.
Can I reduce my EPF contribution to 9%?
Yes — employees can opt for a reduced 9% EPF contribution rate (instead of 11%) to increase take-home pay. However, this reduces your retirement savings significantly over time. The 2% difference on RM3,000 salary = RM60/month, but over 30 years at 6% annual return, that RM60/month difference grows to ~RM60,000 in lost retirement savings. Most financial planners advise keeping the full 11%.