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MyTaxMate guides

Malaysian income tax, in plain English

No jargon, no fluff. Every guide is written against LHDN primary sources (the Income Tax Act, Public Rulings and hasil.gov.my) and built to answer one real question you'd type into Google.

A freelancer in a yellow hijab laughing on a phone call at a sunny cafe window seat with her laptopStart with this oneFreelancer income tax Malaysia: the complete guideDo you have to pay, how much, what you can deduct, and how to file as a freelancer.Lim Yueh Yih · 9 min read

Start here: work out what you owe

Get a number in two minutes, no login. Then the guides bring it down.

Two Malaysian office colleagues laughing as they tap a desk calculator together in a bright office pantryFree toolIncome tax calculator: your full-year billType your income, see your tax and which reliefs cut it. YA 2026 brackets, worked salary examples, instant, no login.Lim Yueh Yih · 8 Sept 2026A young woman at an office desk holding a payslip envelope and tapping a calculator while a colleague in a purple hijab helpsFree toolPCB calculator 2026: your monthly salary deductionHow much PCB comes off your salary, your bonus-month PCB and your take-home pay after EPF, SOCSO and EIS. LHDN's 2026 formula, no login.Lim Yueh Yih · 1 Oct 2026

Reliefs & paying less tax

What you can claim, the ones people miss, and the legal ways to lower your bill.

A Malay family ticking items in a notebook at the dining table with a bowl of receiptsReliefs & tax savingMalaysia tax relief checklist (YA 2025 & 2026)Every personal income tax relief in one checklist, with the exact RM caps, the ones people miss, and what you cannot claim.Lim Yueh Yih · 7 Oct 2026An office worker filing her receipts into a colourful accordion folder at a sunny home deskReliefs & tax savingHow to pay less income tax (legally): every relief, every filerThe five legal levers for a salaried filer: claim every relief, time your spending, separate vs joint, EPF/PRS and zakat.Lim Yueh Yih · 22 Jul 2026A married Malay couple at the kitchen table pointing at a notebook together and smilingReliefs & tax savingJoint or separate assessment: which saves more?Married filers: separate almost always wins. The RM9,000 for RM4,000 swap, the spouse-relief myth, and the one case joint helps.Lim Yueh Yih · 21 Aug 2026A young woman in a bookshop holding a boxed laptop and books, smiling at the sales assistantReliefs & tax savingCan I claim my laptop, phone or internet bill?The RM2,500 lifestyle relief covers a computer, phone, books and your internet bill. What counts, what doesn't, and the mistake most blogs still make.Lim Yueh Yih · 21 Oct 2026A woman with her elderly mother at a bright clinic reception being handed a receipt slipReliefs & tax savingMedical tax relief: the RM10,000 shared capSerious illness, fertility, vaccination, dental and check-ups all share one RM10,000 ceiling. Your parents' bills are a separate RM8,000.Lim Yueh Yih · 2 Sept 2026A Chinese Malaysian couple laughing with their young daughter, who wears a graduation cap and hugs a pink piggy bank at the dining tableReliefs & tax savingSSPN tax relief: RM8,000, one parent onlyUp to RM8,000 on net SSPN deposits, but only one spouse can claim, and only on their own deposits. Who should deposit, and which withdrawals do not count.Lim Yueh Yih · 7 Oct 2026An Indian Malaysian couple at a dining table reading a plain blue folder together while their young daughter leans on her father's shoulder holding a small first-aid boxReliefs & tax savingMedical insurance tax relief: the RM4,000 premium linePremiums, not medical bills. Which riders, medical cards and critical illness plans count towards RM4,000, and why your parents' policy and travel insurance never do.Lim Yueh Yih · 28 Oct 2026A Malay Malaysian father in an orange t-shirt giving a high-five to his young son holding a badminton racket and shuttlecock on an indoor badminton courtReliefs & tax savingSports tax relief: gym, gear and the RM1,000 lineThe separate RM1,000 for sport, on top of the RM2,500 lifestyle relief. Treadmills, gym fees, court bookings and coaching count, for parents too. Running shoes do not.Lim Yueh Yih · 21 Oct 2026A laughing Chinese Malaysian boy hugging his father at a sunny kitchen table while his mother leans in smiling, with an open blank notebook and white mugs on the tableReliefs & tax savingEPF and life insurance relief: how the RM7,000 splitsRM4,000 for EPF, RM3,000 for life cover or a voluntary EPF top-up. Why payroll EPF above RM4,000 is lost, what civil servants get, and your child's policy from YA 2026.Lim Yueh Yih · 28 Oct 2026

Form BE: salaried employees

Most Malaysians file Form BE, and the wrong form counts as not filing at all: who it is for, what to have ready, and the deadline.

A young office worker holding up a blank sheet of paper with a puzzled smile while a colleague explainsForm BE & employeesWhat is Form BE, and who files it?The return for anyone with no business income. Who files it, the YA 2026 deadline, and why the wrong form counts as not filing at all.Lim Yueh Yih · 12 Sept 2026A young woman in a pink hijab relaxing on a bright sofa with a laptop on her knees, smiling with reliefForm BE & employeesHow to file Form BE (e-BE): for salaried employeesThe five e-BE screens in order, what goes in each box, the prefill rule almost no guide mentions, and a worked example that ends in a refund.Lim Yueh Yih · 16 Sept 2026A woman circling a date on a desk calendar with a red markerForm BE & employeesEvery Malaysia tax deadline 2027: BE, B, P, M and CEvery filing date for 2027 in one table, what the e-Filing grace period really is, CP500 instalments, and when a refund actually lands.Lim Yueh Yih · 2 Oct 2026A young woman with a new office lanyard holding a coffee and her phone in a sunny office lobby, beamingForm BE & employeesFirst time filing income tax in MalaysiaNew job, first payslip. Why you probably already have a tax number, the two thresholds people mix up, and how to get into MyTax before the rush.Lim Yueh Yih · 23 Sept 2026An HR manager handing a blue folder to a young colleague at his desk in a bright open-plan officeForm BE & employeesEA form explained, box by boxEvery section of your EA form, A to F, and the e-BE box each figure goes in. Plus the one section that is never taxed.Lim Yueh Yih · 26 Sept 2026Two colleagues at a sunny office desk, a woman in a mustard hijab holding up a plain envelope while her colleague points at it and smilesForm BE & employeesPCB explained: why you can still owe taxPCB is your tax paid in advance, not your final bill. Why it misses, what skipping Form TP3 costs, what CP38 is, and when PCB can be final.Lim Yueh Yih · 30 Sept 2026A woman circling a date on a desk calendar with a red markerForm BE & employeesBudget 2027 tax changes: what it means for youWhat Budget 2027 announced for YA 2027, why the return you file in 2027 is unchanged, and what the new relief and bands save on a real salary.Lim Yueh Yih · 13 Oct 2026

Form B: business & freelance

Freelancers, gig workers, online sellers and sole-props file Form B, not Form BE.

A freelance illustrator sorting receipts into a clear box on the floor of her colourful home studioForm B & freelanceForm B tax saving tips for freelancersThe legal ways to pay less: business expenses, home office, vehicle, capital allowances, and the reliefs most people miss.Lim Yueh Yih · 28 Jun 2026Two friends at a mamak table, one in office attire and one with a camera bag, comparing their phones and laughingForm B & freelanceForm B vs Form BE: which one am I?The 30-second test for which form you actually file, and why it matters.Lim Yueh Yih · 12 Sept 2026A small business owner at his home desk giving a thumbs up beside his laptop while his wife leans in smilingForm B & freelanceHow to file Form B (e-B): for freelancers and sole propsA screen-by-screen walkthrough of the e-B filing on MyTax.Lim Yueh Yih · 8 Sept 2026A freelance designer in a co-working space checking his watch under a large wall clockForm B & freelanceForm B deadline 2027: for freelancers and businessThe exact dates (30 June, 15 July on e-Filing) and what slipping them costs.Lim Yueh Yih · 2 Oct 2026A proud stall owner in a floral hijab with folded arms at the counter of her nasi lemak stallForm B & freelanceSole proprietor tax guide MalaysiaThe individual rate (not a company rate), the deadline, deductible expenses, and a worked RM example.Lim Yueh Yih · 19 Jun 2026

Gig work & online selling

Grab, Shopee, rental, side hustles and influencer work where the PR gifts count as income: what to declare and what you can deduct.

An e-hailing driver smiling over his shoulder at the wheel with the Kuala Lumpur skyline through the windscreenGig & online sellersGrab / e-hailing driver tax guideDo drivers pay tax, every cost you can deduct, claiming the car, and a worked RM example.Lim Yueh Yih · 19 Jun 2026An online seller taping up a parcel at her table in front of shelves of boxes and a rack of clothesGig & online sellersShopee / online seller tax guideDeclare gross sales, not your payout. What LHDN can see, every deductible cost, and a worked RM example.Lim Yueh Yih · 8 Sept 2026A young man still in his office shirt packing small parcels of handmade goods at home in the eveningGig & online sellersShopee, Grab or TikTok Shop income: do you pay tax?You are taxed on profit, not sales, and only if it is a real trade. Which form it forces, what you can deduct, and the deadline.Lim Yueh Yih · 21 Aug 2026A landlord in a batik shirt handing keys to a young couple at the doorway of a bright apartmentGig & online sellersRental income tax Malaysia: what you actually payRental is taxed on the net, not the gross. What you can deduct, what you cannot, and the loss trap most landlords miss.Lim Yueh Yih · 5 Aug 2026Two business partners in orange aprons high-fiving at the doorway of their cafe, one holding a clipboardGig & online sellersPartnership tax Malaysia: Form P, CP30 and your Form BA partnership pays no tax, each partner does. Form P, the CP30 slip, your Form B, and the expense trap most partners miss.Lim Yueh Yih · 11 Aug 2026A retired couple on a sunny balcony sharing a tablet and pointing at it, both smilingGig & online sellersDividend tax Malaysia: who pays the 2%The 2% only bites above RM100,000 of dividends a year, you declare just the excess, and EPF, ASB and most foreign dividends are exempt.Lim Yueh Yih · 26 Aug 2026A content creator filming with a ring light and phone on a tripod beside a stack of pastel gift boxesGig & online sellersInfluencer tax: your PR gifts count tooSince January 2026 LHDN counts free products, trips and vouchers as income at market value. What to declare, what to deduct, and why the form is B.Lim Yueh Yih · 5 Sept 2026

e-Invoice

Who is exempt, who is not, and when your start date actually is.

A freelance photographer in her studio holding up her phone and smiling, softbox lights around here-InvoiceDo freelancers need e-Invoice?The exemption threshold is RM3 million turnover from 1 September 2026, but LHDN adds multiple businesses together. The new line and the catch.Lim Yueh Yih · 5 Sept 2026A customer paying with her phone at a bookshop counter while the cashier in a blue apron smilese-Invoicee-Invoice for your tax reliefsAsk for an e-invoice on anything you claim as relief, give your TIN or IC, and LHDN can pre-fill it into your e-Filing next year.Lim Yueh Yih · 5 Aug 2026

Penalties & deadlines

The fear searches, answered with the real Income Tax Act numbers.

A man at the letterbox of his terrace house reading the outside of an envelope with a raised eyebrowPenalties & deadlinesLHDN fines 2026: the full list (start here)The full list: late filing, late payment, wrong reliefs, missing receipts.Lim Yueh Yih · 12 Jun 2026A woman in a yellow blouse hurrying along an office corridor hugging a blue folder and glancing at a wall clockPenalties & deadlinesLate filing penalty (s.112): the 15%, 30%, 45% scale15%, 30% or 45% of the tax you owe, or a flat 45% Form J if you never file.Lim Yueh Yih · 8 Sept 2026A man on the phone at his desk looking up at a wall clock with a rueful smilePenalties & deadlinesLate payment penalty: 10% only, and why not 15%The 10% increase on an unpaid balance, and why there is no further 5%.Lim Yueh Yih · 27 Jul 2026A freelancer laughing with his hand on his forehead while a friend pats his shoulder and points at his laptopPenalties & deadlinesMissed the Form B deadline? What to do nowYou can still file, and doing it today costs far less than waiting. The penalty in ringgit, and the exact steps.Lim Yueh Yih · 16 Jul 2026A woman looking at her phone with delighted surprise while a colleague cheers beside her in the office pantryPenalties & deadlinesIncome tax refund Malaysia: how long and how to checke-Filing refunds land in about 30 working days, straight to your bank. The timeline, how to check status on MyTax, and why it stalls.Lim Yueh Yih · 8 Sept 2026A young couple at a white kitchen table, the husband showing his wife his phone, both relieved and smilingPenalties & deadlinesCan't pay your tax bill? The LHDN instalment planSplit a bill you can't afford over 2 to 6 months with e-Ansuran, right in MyTax. How to apply, and what late payment still costs.Lim Yueh Yih · 16 Jul 2026A hardware shop owner behind his counter opening a white envelope with a curious expressionPenalties & deadlinesCP500 explained: LHDN's instalment noticeLHDN's notice to pre-pay this year's tax in six instalments. How it works, revising it with CP502, and the penalty-free 2026.Lim Yueh Yih · 8 Sept 2026

Most read this month

1Grab / e-hailing driver tax guide
2Form B deadline 2027: for freelancers and business
3Form B vs Form BE: which one am I?

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