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PCB Monthly Tax
LHDN Monthly Tax Deduction (PCB). Estimate your monthly PCB based on gross salary and reliefs. Interactive Mengira financial calculator with deterministic math: inputs are processed client-side, results update reactively, formulas documented in the on-page explainer.
โ† Malaysia

LHDN Monthly Tax Deduction (PCB)

Estimate your monthly PCB based on gross salary and reliefs.

RM 8,000
11.0%
RM 0
RM 1,500
RM 0
0

Estimated monthly PCB

RM 490

Annual tax: RM 5,885 ยท Effective tax rate: 6.1%

Net take-home

RM 6,630

Chargeable income

RM 81,500

Monthly split

Take-home: RM 6,630EPF: RM 880PCB Tax: RM 490
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Next Steps

Recommendations
Optimumkan Cukai Anda
Simpan sehingga RM3,000 setahun dengan skim PRS tersertifikasi LHDN.
Lihat tawaran PRS
Compare bank offers
Shortlist 2โ€“3 banks and request their official PCB/loan letter.
Talk to a licensed advisor
For tax & loan decisions above RM200k, get a second opinion.

How the math works

PCB (Potongan Cukai Bulanan) is your share of annual income tax withheld each month. We annualise your gross pay, deduct statutory reliefs and EPF, run the result through LHDN's 2024 resident progressive bracket table, then divide by 12.

  1. 01

    Annualise income

    AnnualGross = (GrossMonthly + Bonus) ร— 12

    Bonus represents other taxable monthly income such as allowances and commissions.

  2. 02

    Total reliefs

    Reliefs = 9,000 (individual) + min(Lifestyle, 2,500) + min(Medical, 10,000) + Children ร— 2,000 + min(EPF ร— 12, 4,000)
  3. 03

    Chargeable income

    ChargeableIncome = max(0, AnnualGross โˆ’ Reliefs)
  4. 04

    Progressive tax (LHDN 2024)

    AnnualTax = ฮฃ (min(CI, upper_b) โˆ’ lower_b) ร— rate_b
Brackets (RM): 0โ€“5k:0%, 5kโ€“20k:1%, 20kโ€“35k:3%, 35kโ€“50k:6%,
50kโ€“70k:11%, 70kโ€“100k:19%, 100kโ€“400k:25%, 400kโ€“600k:26%,
600kโ€“2M:28%, >2M:30%
  5. 05

    Monthly PCB & net take-home

    MonthlyPCB = AnnualTax / 12
NetTakeHome = GrossMonthly โˆ’ EPF โˆ’ MonthlyPCB
Estimator only. Actual LHDN PCB uses the gazetted schedule with rounding rules and zakat / TP3 adjustments this calculator does not model.