Guides

Short, practical explainers that go a step beyond the calculators — how the rules work, what the numbers mean, and how to use each tool with confidence. Every figure matches the rates our tools apply.

Malaysia Income Tax Rates & Brackets (YA 2024) — How Malaysian resident income tax is calculated for YA 2024 — the progressive brackets, the main personal reliefs, the RM400 rebate, and a worked example.
Malaysia Income Tax Reliefs Checklist (YA 2024) — Every main personal income tax relief for YA 2024 in one table — the caps for EPF, lifestyle, medical, children, parents, SSPN and more — plus how to stack them to cut your tax.
Malaysia Property Stamp Duty Explained (MOT & Loan) — How much stamp duty you pay when buying property in Malaysia — the tiered MOT rates, the separate 0.5% loan agreement duty, first-home exemptions and a worked example.
How EPF (KWSP) Contributions Work in Malaysia — The statutory EPF/KWSP contribution rates for employee and employer, how the Third Schedule table rounds the amount, the three-account structure and when you can withdraw.
Malaysia RPGT Explained: Rates, Gains & Exemptions — How Real Property Gains Tax works in Malaysia — the rates by holding period and disposer category, how the chargeable gain is worked out, the exemptions, and a worked example.
Malaysia Car Loan Flat Rate Explained (Hire Purchase) — Why Malaysian car loans quote a flat rate, how the monthly hire-purchase instalment is calculated, why the effective rate is almost double, and the Rule of 78 on early settlement.
Malaysia SST Explained: Sales Tax vs Service Tax — How Malaysia's SST actually works — sales tax (5%/10%) vs service tax (8%, or 6% for some services), the 2024 rate rise, registration thresholds, and how to add or extract SST.
SOCSO & EIS Contributions Malaysia Explained (PERKESO) — SOCSO vs EIS, who must contribute, the two SOCSO categories, the RM6,000 wage ceiling raised in October 2024, contribution rates, and a worked example.
Zakat on Savings in Malaysia Explained (2.5% & Nisab) — How zakat on savings works in Malaysia — the nisab threshold, the one-year haul, the 2.5% rate, and the crucial point that zakat is a rebate against your income tax.
Zakat Pendapatan (Income Zakat) in Malaysia Explained — How zakat pendapatan (income zakat) works in Malaysia — the 2.5% rate, gross vs net methods, monthly salary deduction that cuts your PCB, and the income tax rebate.
How Reducing-Balance Loan Instalments Work (Malaysia) — How Malaysian housing and personal loan instalments are calculated — the reducing-balance (amortising) EMI formula, why early payments are mostly interest, and how extra repayments save you money.
PCB / MTD Monthly Tax Deduction Malaysia Explained — What PCB (MTD) is, how the monthly deduction is calculated, the TP1/TP2/TP3 forms, when PCB counts as your final tax, and a worked example.
Malaysia Income Tax Filing: Who Files, When & How — Who must file income tax in Malaysia, the RM34,000 threshold, how to register for a tax number, the Form BE vs B deadlines (30 April / 30 June) and how to pay.
How Bonuses Are Taxed in Malaysia (PCB, EPF & SOCSO) — Why your bonus-month PCB looks so big in Malaysia — the additional-remuneration method, EPF and SOCSO on bonuses, a worked example, and whether you get any of it back at filing.
Tenancy Agreement Stamp Duty Malaysia Explained — How stamp duty on a rental (tenancy) agreement is calculated in Malaysia — the RM2,400 exemption, the per-year rate table, duplicate copies, e-stamping and a worked example.
Debt Service Ratio (DSR) in Malaysia Explained — How Malaysian banks use your Debt Service Ratio (DSR) to decide loan eligibility — what counts as income and commitment, typical caps, CCRIS, a worked example, and how to improve your DSR.
Malaysia Tax Residency: The 182-Day Rule Explained — Whether you are a Malaysian tax resident decides your tax rate and your reliefs. The four Section 7 residence tests, the 182-day rule, and the 30% flat non-resident rate.
Malaysia SST Expansion (1 July 2025): What Changed — The 1 July 2025 SST expansion in plain English — the new service tax categories (rental, construction, financial, healthcare, education, beauty), their rates and thresholds, and the wider sales tax on non-essential goods.
EPF Akaun Persaraan, Sejahtera & Fleksibel Explained — How EPF's May 2024 restructure works — the 75/15/10 split into Akaun Persaraan, Sejahtera and Fleksibel, what moved where, and how the Flexible Account withdrawal works.
Self-Employed Income Tax in Malaysia (Form B) — How income tax works for the self-employed, freelancers and sole proprietors in Malaysia — adjusted income, allowable expenses, capital allowances, Form B, CP500 instalments and record-keeping.
Loan Agreement Stamp Duty Malaysia (0.5%) — The 0.5% loan agreement stamp duty most property buyers forget — how it differs from MOT transfer duty, a worked example of the total stamp duty on a purchase, and the first-home exemptions.
RPGT Filing Malaysia: CKHT Forms & the 3% Retention — What happens after you sell Malaysian property — which CKHT form the seller and buyer each file, the 60-day deadline, the 3% (or 7%) retention your solicitor holds back, and how CKHT 3 stops it.
Car Loan Early Settlement Malaysia (Rule of 78 Rebate) — How the Hire-Purchase Act 1967 rebate on early car loan settlement is calculated, the Rule of 78 formula, a worked settlement table, and the steps to release your JPJ claim.
EIS Job Search Allowance Malaysia: How to Claim (PERKESO) — Lost your job in Malaysia? How the PERKESO EIS Job Search Allowance works — the 80/50/40/30 rates, the 60-day deadline, which terminations qualify, and the four other benefits.
EPF Voluntary Contribution & i-Saraan Malaysia Explained — How EPF voluntary contributions work in Malaysia — the RM100,000 annual limit, the 20% i-Saraan incentive capped at RM500 a year, and the extra RM3,000 tax relief most people miss.
Overtime Pay in Malaysia: Rates & How to Calculate (OT) — How overtime is calculated under Malaysia's Employment Act 1955 — the ordinary rate of pay (wages ÷ 26), the 1.5×, 2× and 3× multipliers, the RM4,000 limit and the 104-hour cap.
Refinancing a Home Loan in Malaysia: Costs & Break-Even — What refinancing a Malaysian housing loan really costs — legal fees, the 0.5% stamp duty and its refinancing remission, valuation, MRTA and lock-in penalties — plus how to work out your break-even point.
SOCSO Claims Malaysia: Injury & Invalidity Benefits — The seven benefits PERKESO pays under the Employment Injury and Invalidity Schemes, the 80%/90% benefit rates, commuting accidents, Form 21 and the 12-month time bar.
Rental Income Tax Malaysia: What You Can Deduct — How LHDN taxes rental income in Malaysia — the Section 4(d) rules, which expenses are deductible, the initial-expenses trap, loss rules and a worked example.
EPF Withdrawal Malaysia: Age 50, 55 & 60 Rules — When you can withdraw EPF savings in Malaysia — Akaun Fleksibel any time, the age 50 partial withdrawal, Akaun 55, Akaun Emas at 60, i-Emas monthly payments and tax.
RPGT Exemptions Malaysia: Private Residence & More — The RPGT exemptions that actually cut the bill — Schedule 4 relief, the once-in-a-lifetime private residence exemption, love-and-affection transfers and inherited property.
SST Registration & SST-02 Filing in Malaysia — When your business must register for SST, how to apply on the MySST portal, the bi-monthly SST-02 return and its deadline, and the late-payment penalties that stack to 40%.
Incomplete Month Salary & Unpaid Leave Malaysia (S.18A) — The statutory formula for prorated salary in Malaysia — Section 18A Employment Act 1955, why the divisor is calendar days not 26, worked examples, and the effect on EPF, SOCSO and PCB.
Retrenchment Benefits Malaysia: Amount & Tax Treatment — How Malaysian retrenchment benefits are calculated (10/15/20 days per year of service), who actually qualifies, the RM10,000-per-year tax exemption, notice pay, EPF, and Form CP22A tax clearance.
Form EA Malaysia: How to Read It & File From It — What each part of Malaysia's Form EA means, the 28 February deadline, which allowances in Part F are tax-exempt, and how to transfer the figures into your e-Filing BE.
Joint vs Separate Assessment Malaysia: Which Is Better? — How joint (combined) and separate assessment work under Section 45 of the Income Tax Act, the RM4,000 spouse relief, when electing joint actually saves tax, and how to elect.
Flexi vs Semi-Flexi vs Term Home Loan (Malaysia) — The real difference between term, semi-flexi and full-flexi Malaysian housing loans — how prepayments cut interest, the fees each charges, and a worked RM500,000 example.
EPF Dividend Malaysia: How It Is Actually Calculated — How EPF dividends really work — the running-balance method (not your year-end figure), the 2.5% guarantee, Simpanan Shariah vs Konvensional, and why timing matters.
OPR & SBR: How Rate Changes Hit Your Home Loan — How Bank Negara's OPR feeds through SBR, BR and BLR into your Malaysian housing loan — what actually changes, how fast, and what 0.25% costs per month.
CP500 Tax Instalments Malaysia: Rules & 30% Penalty — How LHDN's CP500 instalment scheme works for Malaysians with business or rental income — the six payment months, revising with CP502, and the 10% under-estimation penalty.
Car Repossession Malaysia: Your Hire-Purchase Rights — When a bank can legally repossess your car in Malaysia — the two-instalment rule, the 21-day notice, the 75% court-order protection, and what happens after the car is towed.
Stamp Duty Self-Assessment Malaysia (STSDS) 2026 — LHDN no longer assesses your stamp duty — you do. The STSDS phases, the 30-day deadline, s.47A late penalties, and the PKPS amnesty that closes 31 December 2026.
Malaysia 2% Dividend Tax: RM100,000 Threshold Explained — From YA 2025 Malaysian individuals pay 2% on chargeable dividend income above RM100,000. How the gazetted formula works, what is excluded, and a worked example.
LHDN e-Invoice (MyInvois): Who Must Comply in 2026 — Malaysia's e-Invoice rollout explained — the phase dates, the RM1 million turnover exemption, consolidated e-invoices, the 72-hour rejection window and the penalties.