EPF, SOCSO, EIS & PCB Rates 2026: Salary Deductions in Malaysia (Local & Foreign Workers)

Updated November 2026

EPF, SOCSO, EIS & PCB Deductions in Malaysia 2026

The 2026 contribution rates, a worked salary example for local and foreign workers, payment deadlines, and a free payroll app that calculates everything for employers.

Try the Free Payroll App

2026 Contribution Rates at a Glance

Contribution	Employee pays	Employer pays	Notes
EPF (KWSP) Malaysian, under 60	11%	13% (wages up to RM5,000) 12% (above RM5,000)	Lower rates from age 60
EPF (KWSP) Foreign worker	2%	2%	Mandatory for wages from October 2025
SOCSO (PERKESO) Malaysian & PR, under 60	0.5%	1.75%	Wage ceiling RM6,000
SOCSO (PERKESO) Foreign worker	None	1.25%	Employment injury cover only
EIS (SIP)	0.2%	0.2%	Malaysians & PR aged 18–60, ceiling RM6,000. Not for foreign workers
PCB / MTD	Depends on salary & reliefs	None	Monthly income tax deducted for LHDN

EPF, SOCSO and EIS are worked out from official wage-band tables, so the exact ringgit amount can differ slightly from a plain percentage.

Example: Deductions on a RM3,000 Salary

Malaysian employee (under 60)

Basic salary	RM3,000.00
EPF 11%	− RM330.00
SOCSO	− RM14.75
EIS	− RM5.90
Take-home (before PCB)	RM2,649.35

The employer also pays EPF RM390, SOCSO RM51.65 and EIS RM5.90.

Foreign worker

Basic salary	RM3,000.00
EPF 2%	− RM60.00
SOCSO	RM0.00
EIS	Not covered
Take-home (before PCB)	RM2,940.00

The employer also pays EPF RM60 and SOCSO employment injury of about RM36.90.

Foreign Workers: What Comes Out of Your Salary?

• EPF is now deducted. Since wages for October 2025, foreign workers pay 2% and the employer adds 2%. You can check your balance in the KWSP i-Akaun app.
• SOCSO is paid by your employer only. It covers accidents at work and occupational diseases. Nothing should be deducted from your pay for it.
• No EIS. The Employment Insurance System covers Malaysians and permanent residents only.
• PCB (tax) depends on your tax residency. If you stay in Malaysia less than 182 days in a year, you may be taxed as a non-resident at a flat rate. Read Understanding Tax Residency in Malaysia.

Payment & Filing Deadlines for Employers

What	Form	Deadline
EPF	Borang A	By the 15th of the following month
SOCSO & EIS	Borang 8A	By the 15th of the following month (paid together)
PCB / MTD	CP39 (e-PCB)	By the 15th of the following month
Yearly income statement	Form EA	Given to every employee by the end of February
Employer annual return	Form E	By 31 March

Digital Nomads Payroll: Let the System Do It

We built Digital Nomads Payroll for Malaysian employers who are tired of working out EPF, SOCSO, EIS and PCB in Excel every month. It is a web app, so it works on any computer or phone with no installation, and it is free to start with no card required.

Automatic payroll

Salary, overtime, allowances, claims and all statutory contributions calculated for every employee, including staff aged 60 and above.

Statutory forms

Borang A, Borang 8A, CP39, Form EA and Form E generated for you, plus bulk upload files for the EPF and LHDN portals.

Leave & attendance

Online leave requests and approvals, automatic leave balances, and QR code attendance with overtime feeding straight into payroll.

Payslips, loans & claims

PDF payslips emailed in one click, a self-service portal for staff, and staff loans with automatic monthly deductions.

How to Get Started

Step 1: Create your company account

Go to payroll.digitalnomadspk.com and sign up with your company details and statutory registration numbers.

Step 2: Add your employees

Enter each employee's salary, EPF and SOCSO numbers, bank details and PCB reliefs, or invite staff to fill in their own profile.

Step 3: Run payroll

Review the calculated figures, approve, and download payslips and statutory files ready to submit.

For a full tour of the features, read Tired of Doing Payroll in Excel? There's a Better Way.

Frequently Asked Questions

Yes. EPF is mandatory for foreign workers for wages from October 2025, at 2% from the worker and 2% from the employer.

No. For foreign workers, only the employer pays SOCSO, at 1.25% for the Employment Injury Scheme. Nothing should be deducted from the worker's pay for SOCSO.

Since October 2024, SOCSO and EIS are calculated on wages up to RM6,000 a month. Earnings above that are not counted.

All four are due by the 15th of the following month. For example, contributions for November salaries must be paid by 15 December. Late payment can lead to penalties.

You can sign up and start running payroll free, with no credit card required. Visit payroll.digitalnomadspk.com for current details.

Data is encrypted in transit and backed up daily. Access is role-based, so only users such as HR managers or finance staff can see salary details, and logins and key changes are logged.

Stop calculating payroll by hand

EPF, SOCSO, EIS and PCB done automatically. Made by Digital Nomads PK, the team behind Spicy Blogging.

Create a Free Account

Privacy policy

More for Workers & Employers in Malaysia

• Understanding Tax Residency in Malaysia
• Work permit guides
• Sending money home

Official Sources

• KWSP / EPF (contribution rates and Third Schedule)
• PERKESO / SOCSO (SOCSO and EIS contribution tables)
• LHDN / Inland Revenue Board (PCB, Form EA and Form E)

Ishtiaq Ahmad on November 09, 2026

Retirement Date & Service Calculator for Punjab, Pakistan Govt Employees (Free App)

Updated November 2026

Retirement Date, Service Length & Earned Leave Calculator for Punjab (Pakistan) Govt Employees

How retirement age, length of service and earned leave are worked out for government employees in Punjab, Pakistan, and a free Android app that calculates them for you and fills pension forms in seconds.

Punjab (Pakistan) Service Rules at a Glance

Question	Rule
Normal retirement (superannuation)	On completing 60 years of age
Voluntary (early) retirement	25 years qualifying service and age 55, whichever comes later (2026 change)
Earned leave (leave on full pay)	4 days for every calendar month of duty, with no maximum limit
Leave preparatory to retirement (LPR)	Up to 365 days before the retirement date

When Do Punjab Government Employees Retire in Pakistan?

Under Section 12 of the Punjab Civil Servants Act, 1974, a civil servant retires on the completion of the sixtieth year of age. This is called superannuation. Your exact retirement date depends on your date of birth as recorded in your service book.

Early retirement changed in 2026. The Government of Punjab, Pakistan amended its pension rules so that voluntary retirement now needs 25 years of qualifying service and a minimum age of 55, whichever is later. For example, someone who joined at 24 completes 25 years at 49, but can only retire voluntarily at 55.

The government can also retire an employee in the public interest after 20 years of qualifying service, but only after giving the reasons in writing and a chance to respond.

How Length of Service Is Calculated

Length of service is the time from your joining date to a given date (today, or your retirement date), shown in years, months and days.

Example

• Joining date: 1 March 2001
• Date to check: 9 November 2026
• Length of service: 25 years, 8 months and 8 days

How Earned Leave Is Calculated

Under the Revised Punjab Leave Rules, 1981 (Rule 3):

• You earn 4 days of leave on full pay for every calendar month of duty.
• If you work more than 15 days in a month, it counts as a full month. 15 days or less is not counted.
• No leave is earned while you are on leave.
• There is no maximum limit on how much leave you can build up.

Example: 10 years of duty is 120 months, so you earn 120 × 4 = 480 days of leave, minus any leave on full pay you have already used.

Service Retirement Calculator App

We built Service Retirement Calculator so employees and pensioners of the Government of Punjab, Pakistan can do these calculations and fill common pension forms on their phone, without counting days by hand. It is free on Google Play.

Service tenure

• Retirement date at 60 (superannuation)
• Retirement at an age or date you choose
• Length of service in years, months and days

Earned leave

• Leave earned up to today
• Leave earned up to a specific date
• Leave for a number of days, and leave expiry date

For pensioners

• Life certificate from your name, father's name and PPO number
• No-marriage certificate
• Blank copies of both to fill by hand

Official forms

• Accountant General Punjab (Pakistan) PDF forms
• Retirement forms
• GP Fund advance and transfer forms

How to Use the App

Step 1: Install

Open Service Retirement Calculator on Google Play and tap Install.

Step 2: Choose a calculator

Pick Service Tenure for retirement date and length of service, or Earned Leave for your leave balance.

Step 3: Enter your dates

Enter your date of birth and joining date exactly as written in your service book.

Step 4: Get your result or form

See your retirement date, service length or leave instantly. Pensioners can create a life certificate or no-marriage certificate and save it.

The app is not an official government app and is not connected with the Government of Punjab, Pakistan or the Accountant General Punjab. Results are for guidance. Always confirm your retirement date, leave balance and pension with your office or the AG office.

Frequently Asked Questions

Punjab civil servants retire on completing 60 years of age, under Section 12 of the Punjab Civil Servants Act, 1974.

Under the 2026 amendment, voluntary retirement needs 25 years of qualifying service and age 55, whichever comes later. Check the latest notification with your office before applying.

You earn 4 days for every month of duty, which is 48 days a year. A month with more than 15 days of duty counts as a full month, and there is no maximum limit on the leave you can build up.

Yes. Service Retirement Calculator is free to download and use. It shows ads to cover development costs.

The age and length-of-service calculators work for anyone. The leave rules and pension forms in the app follow the rules of Punjab, Pakistan and the Accountant General Punjab. Employees in other provinces, or in Punjab (India), should check their own department's rules.

A life certificate confirms that a pensioner is alive so that the pension continues. The app creates one from your name, father's name and PPO (Pension Payment Order) number. Your bank or AG office may ask for it to be signed and stamped by an authorised officer.

Calculate your retirement date in seconds

Free on Android. Made by Digital Nomads PK, the team behind Spicy Blogging.

App privacy policy

More for Pakistan

• Punjab guides and government forms
• All Pakistan guides

Official Sources

• Punjab Civil Servants Act, 1974 (Section 12, Retirement)
• Revised Punjab Leave Rules, 1981 (Finance Department)
• Accountant General Punjab, Pakistan
• Punjab changes pension rules for government employees (ProPakistani, 2026)

Ishtiaq Ahmad on November 09, 2026

TextNow Offers US Phone Number & Free Calls to 37 Countries Over WiFi

Communication belongs to everyone and we too believe in this idea, we found a team of brilliant developers who are on a mission to help people connect with technology for free or as close to free as possible. You may think that which technology they are talking about to connect people free of cost?

we are talking about the TextNow team founded in 2009 by two university students looking to save on their phone bills & they putting free phone technology into the hands of customers for over a decade and they started from a small table in off-campus students housing came great things - In final Show of 2020, they launched free nation-wide (United States & Canada) Talk & Text, a first of its kind offering that provides ad-supported cellular free call service to 37 countries.

Voice & Video Call

TextNow Support both Voice & Video call,  you can make a high-quality video call to anyone with a valid mobile phone number. Just click the video icon and start connecting – even if your recipient doesn’t have the TextNow app.

Group Chat

With TextNow, you can add one or more people to the same message thread and talk to all of them together. Starting a group message is the same on both the TextNow Android and iOS app, and on our web and desktop versions. For simplicity, we're showing you the Android version in these examples:

The first step is to start a new text message. You can enter a contact's phone number, TextNow username if they're a TextNow customer or name or nickname from your contacts stored on your device.

Is everything Free

You can use all the features on Phone App, Tablet, & add a phone number to Desktop Application which can be downloaded from Microsoft Store & It's all free. If you are using the app-only version then you can also upgrade to remove ads or lock your phone number for 1 year with an ad-free version of  TextNow App & you will be able to call 37 countries at a cost of 0.0¢.

Click image to enlarge

How to get the free US Phone Number

1. Goto GooglePlay Store & Install TextNow App (for Apple Goto App Store), For Desktop Goto Microsoft Store)
2. Open the app & Signup with an email
3. Choose area code you would like to get the number
4. Choose the number of your choice from the list shown below the area code

That's it! you're ready to make free calls up to 37 Countries (US, Canada, Europe, Singapore & Malaysia). Plus additional features like Voicemail, Group Texting & Conference Calling.

Here is the list of free countries:

• America

  Brazil
  Canada
  Chile
  Jersey
  Mexico
  Puerto Rico
  Peru
  United States
  Venezuela

• Europe

  Denmark
  Faroe Island
  Germany
  Greece
  Guernsey
  Italy
  Isle Of Man
  Ireland
  Ice Land
  Norway
  Romania
  Solovakia
  Svalbard and Jan MayenSpain
  Sweden
  United Kingdom
  

• Asia

  Chrismas Island
  Cocos (Keeling) Island
  Malaysia
  Singapore
  South Korea
  

• Australia

  Australia

• Africa

  Mayotte

If you are in the US then you can use TextNow free without WiFi over their nationwide wireless network by ordering a Simcard activation kit for a one-time purchase of just $4.99. 

Let us know if you have any questions or we have missed something, furthermore, if you facing trouble while registering an account we're here to help you, just leave your message through messenger or send us an email via Contact Us page

Don't forget to visit the Company Blog & TextNow Online Support Page to get the latest updates 

Image Credit: TextNow.com

Ishtiaq Ahmad on September 21, 2021

How to Import Google Contacts to Huawei Android Phone

Huawei shook the smartphone market by creating cheap/budget Android-based smartphones, that have given both Apple and Samsung a run for their money. It's fact that Huawei even managed to overthrow both companies (Samsung & Apple) to take the number one spot as the world’s biggest smartphone supplier. Unfortunately, Huawei’s road-map to success has since been cut short were due to a trade war between the US and China, the US government has placed Huawei on the Entity List which prevents US companies from doing business with them. This also includes Google which means that Huawei Mobile cannot use Google’s products or services on their smartphones.

I was in trouble when my brother's smartphone damaged and he bought new Huawei devices and ask me to copy his contact number from Google account to his new Huawei android (which doest support Google Play Services). I have tried some of the hacks available on the internet to install play services but all of my efforts failed. 

It was very handy to copy contacts from Google account by just adding your Gmail id to android device and turn on auto sync of contact & you will get all of your contact in your android device contact right away, but trouble starts here when the legal director of Android Tristan Ostrowski announced that "Google is prohibited from working with Huawei on new device models or providing Google's apps including Gmail, Maps, YouTube, the Play Store and others for preload or download on these devices,".

Here in this post I will two methods to manually import your contact from Google account to Android Device:

From Huawei Device:

1.Go to your Google Contacts (https://contacts.google.com/). *login with your Google account if prompted.

2. Export all your contacts by clicking the export link (at the left bottom corner of the navigation).

3. Click on Contacts from the top and choose the file format to VCF format. 

4. Save it to your phone storage if you are using your phone or save it to your computer's drive to copy manually to your phone storage when required. 

5. Now download & install the Google Contacts app from apkpure.com. 

6. Open the application and click Navigation goto>Settings

7. Scroll down to the Manage Contacts Section and Click import.

8. Choose  .vcf file & click ok. 

9. From the popup menu choose Device & Select the root folder of  VCF file (the file you have saved in 

step 3)

You are done... :)

Note that you can Import multiple Vcf Files (VCard) you have exported from different Google account or devices. Then later you can Safely store and manage your contacts and other important information on the Huawei Cloud, and automatically sync your data from any of your mobile devices in future. 

Ishtiaq Ahmad on February 11, 2021

Google Rolled Out Red Carpet For App Owner

Recently Google Rolled Out Update for search analytics which called Red Carpet, it's specially designed for app owners. What is red carpet update and how it works, in this post i am going to share some hand picked checklist on how red carpet update will work for app owners and how to add your app into webmaster tools. By adding app into search console, you can track your website and android app performance at one place,  webmaster tools Search Console with new updated performance report will show you the way of Google understands and treats your app content in search results and this will helps you better understand the number of traffic is being driven to your app through App Indexing.

Go ahead and learn the features of awesome Red Carpet Update.

How to add your app into search console

It’s just simple as like adding a website or blog into webmaster tools, Simply open Search Console, click on add your property and enter your app name: android-app://com.example.
Ensure that you are authorized app owner, and you need to put your Google play account to allow search console catch you as authorized app owner. If you don’t have access to your app in Google Play, you may ask to an app owner to verify the app in search console and next invite you as an author.

Indexing  App

The App Indexing provides a way to developers to notify Google about deep links in their native apps. Providing fast and easy access to search console, Associating your website with your app is necessary step for App Indexing to meet with success.

Tracking app content performance in search console

Search Console show you, how your search traffic changes over time, where it’s coming from, and what search queries are most likely to show your app,  if there’s any  overlapping, this may help you restructure your navigation, or common content links easier to find in app.



The search console report allows you to do filtering your search data, one of the feature that is commonly used are keywords, if search console not showing keywords that you expect, your site might not have enough useful content relevant to those keywords, or may it has been hacked.

Fetch as Google

The Fetch as Google feature in Google Search Console now allows you to fetch your app as Googlebot render app! It is a still available beta/alpha version, if you may have wish to watch live render, how Googlebot treat with your app, you can test your app by following link below.

Fetch as Google For Android

It will also helpful when you compare your app content with your respective website content to debug errors in app, the common errors in apps are mismatch content, that errors are caused by blocked resources within the app. Now fetch as Google allows to users identify errors and may help you resolve these issues easily without headache.

 

I hope this interesting info will help you to better understanding your app indexing and give you vision to resolve errors in apps related to webmaster tool and don’t forget to subscribe and get fixed updated in your inbox.

Fetch as Google Image by Google Webmaster Tools Team

Ishtiaq Ahmad on May 24, 2015

Benefits Of Writing Blog Post's In Windows Live Writer

Are you like creating awesome blog posts or wish to give-up beauty makeup to your college, school, party photo albums on the web blog, Then Window Live Writer desktop app will solve your problem without any cost, yes we are talking about Microsoft free tool Windows Live Editor, live editor is the Rolling Stones of Web blogging, it's a legend that's been around forever, and has had its peaks and valleys.

What makes using Live Editor a lot more comfortable than posting with browser or other blogger editor?  lets start learn about Features!

Using Windows Live Writer you can give professional look to your blog posts, which you can not give in blogger html editor. Blogger post editor messes up the Source code and adds html tags itself which sometimes distorts the original formatting of your content.

Here's a handy checklist to help you making decision

• The most useful feature is "plugins" which allows you to make blog post look awesome.
• Write posts offline without logging into your Google account.
• Add local images from your hard drive or by pasting just URL of your image, no matter where URL Come from. Even you can create an photo album with stunning effect using custom image editing plugins.
• Upload your images to FTP Server automatically after setting up.
• Add videos from hard drive, web and from YouTube.
• Add Bing map to your blog posts. Maps comes in three views, Road, Aerial, or Bird's eye.
• Add heading's easily.  
• Categories and Tags.
• Spell Checker and Auto Replace.
• Right Typography.
• Offline Draft.
• Supports All Leading  CMS (Content Management System).

Blogger editor only allows fix options for image re-sizing in post editor Small, Large, Medium, X Large, Original Size. You can not write HTML code just the way it looks in blogger editor because the code is interpreted as a command and blogger editor converts it to how it may look in a browser, But in windows live editor you can re-size image any size,which means that you can scale them at any pixel and ability to add custom effect to your images by using third party plugins.

Plugins for Windows Live Writer

Plug-ins are available in English language only. Microsoft has not verified third-party plug-ins, so only install plug-ins from developers you trust. While files from the Internet can be useful, this file type can potentially harm your computer.

You can search open source plugins which is compatible with live editor and add manually by going into C:\Program Files >>Windows Live>>Writer>>Plugins and paste the plugin DLL file in present folder. We are sharing our mostly used plugins, check it out and let us know your thoughts by using comment form.

---

Auto Collage

---

Image Composite Editor

---

Visit Microsoft Plugin page for learn more about the plugins

Supported Blogging Platforms

WordPress, TypePad, Movable Type, Blogger, MSN Live Spaces, Drupal and Blogger API,

We hope you enjoy reading our post, Tell us what editor you would like to use, and we'll give you sage advice. Don’t forget to subscribe us and share the above tips on social networks.

Ishtiaq Ahmad on May 17, 2015