Malaysia Finance Guides & Tips

Complete guide to tax-deductible business expenses for freelancers in Malaysia. Covers home office claims, equipment capital allowances, travel and mileage, internet and phone bills, professional subscriptions, entertainment limits, and documentation requirements to reduce your tax bill legally.

Complete guide to the Employment Act 1955 Malaysia. Covers employee rights under the law — working hours, overtime rates, annual leave, sick leave, maternity leave, public holidays, termination notice, and the key 2023 amendments that extended coverage to all employees regardless of salary.

Everything you need to know about EPF Account 2 withdrawal in Malaysia. Covers housing loan withdrawals, education payments, medical expenses, Hajj, PR1MA, required documents, application steps via i-Akaun, and how to check your Account 2 balance.

Complete guide to EPF Account 3 (Akaun Fleksibel) in Malaysia. Covers the contribution split (75/15/10), how to withdraw from Account 3 anytime, withdrawal limits, pros and cons, who should use it, and how to check your balance with an EPF calculator.

Calculate how much housing loan you qualify for in Malaysia. Covers Debt Service Ratio (DSR), eligibility by salary bracket (RM2K-RM15K), loan-to-value ratios, downpayment requirements, CCRIS impact, and how to use a loan calculator to check affordability before applying.

Confused by your payslip? This guide explains every line on a typical Malaysia payslip — gross salary, basic pay, allowances, EPF, SOCSO, EIS/SIP, PCB (monthly tax deduction), Zakat, net pay, and employer contributions. Learn to verify your deductions and spot errors.

Understand why your PCB (monthly tax deduction) shoots up during bonus months in Malaysia. Covers the LHDN cumulative calculation method, worked examples for RM3K-RM12K salaries, how to estimate bonus PCB before payday, and why the spike is normal.

Complete comparison of sole proprietorship vs Sdn Bhd (private limited company) in Malaysia. Covers income tax rates, corporate tax, SST, registration costs, annual compliance fees, personal liability, bank account requirements, and when to upgrade from sole prop to Sdn Bhd.

Complete SST guide for Malaysian SMEs. Covers the RM500,000 registration threshold, Sales Tax (5%/10%) vs Service Tax (6%/8%) rates, how to register with RMCD, filing deadlines (bimonthly), exemptions, common mistakes, and how to produce SST-compliant invoices.

Complete tax guide for Malaysian freelancers, gig workers, and self-employed individuals. Learn LHDN registration, deductible expenses, Form B filing, CP500 installments, EPF i-Saraan, and how to use a PCB calculator to estimate your tax.

Complete guide to SOCSO (PERKESO) in Malaysia. Learn employee and employer contribution rates, Employment Injury and Invalidity Pension schemes, how to file a claim, and use a SOCSO calculator Malaysia to check your monthly deductions.

Complete Malaysia e-invoice guide for SME owners. Learn LHDN requirements, the phased rollout timeline by revenue, how to generate compliant e-invoices, common mistakes to avoid, and which invoice generator Malaysia tools are e-invoice ready.

Complete guide to Malaysia's minimum wage in 2026. Covers the RM1,700 monthly rate, who it applies to, employer obligations, overtime pay calculations, exemptions, enforcement, and how to use a salary calculator to check your payslip.

The ultimate Malaysia salary deduction guide for 2026. Learn exactly how EPF, SOCSO, EIS, and PCB are calculated from your payslip. Includes net salary examples, bonus taxation, overtime rules, and a free salary calculator Malaysia tool.

Master Malaysia's EPF (KWSP) system with this comprehensive guide. Covers employee and employer contribution rates for 2025, Account 1 vs Account 2, dividend history, withdrawal rules, tax relief, and how to use an EPF calculator Malaysia to plan your retirement.

Learn everything about Malaysia's EPF (KWSP) system — contribution rates, employer vs employee shares, account structure, withdrawal rules, dividends, and how to maximize your retirement savings.

A complete guide to Potongan Cukai Bulanan (PCB) in Malaysia. Learn how monthly tax deductions are calculated, progressive tax rates, tax reliefs, and how to estimate your take-home pay after PCB.

The ultimate guide to mandatory salary deductions in Malaysia. Learn exactly what is deducted from your paycheck — EPF, SOCSO, EIS, and PCB — and how to calculate your net take-home pay.