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Multi-country · Southeast Asia · 2026

What you actually take home.

Five countries, one calculator. Net pay after the deductions that matter — retirement funds, social security, and income tax — for jobs across Southeast Asia. Live results.

Rates current · 2026 MY: KWSP, SOCSO, LHDN ↗ Last verified · May 2026

Where do you work?

Each country has its own deduction rules.

RM
Net take-home pay
RM4,306
per month · RM 51,672 / year
Net Retirement Social Tax
Gross salaryRM 5,000
Total deductionsRM 694
Effective rate13.9%
Show the formula
Malaysia:
  EPF 11% + SOCSO 0.5% + EIS 0.2% + PCB (progressive)
Singapore: CPF 20% (under 55) + annual income tax
Indonesia: BPJS 4% + PPh 21 (progressive, after PTKP)
Philippines: SSS + PhilHealth + Pag-IBIG + tax
Thailand: Social Security 5% (capped) + tax (progressive)
Full per-country methodology ↗
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How each country handles take-home pay

Salary deductions are surprisingly different across Southeast Asia. Some countries deduct income tax monthly (Malaysia, Indonesia, Philippines, Thailand). Others handle it annually (Singapore). Some have multiple separate social security funds; others combine everything into one.

Comparing job offers between countries — common for regional roles or anyone considering relocation — requires understanding each system. Here's a quick reference.

🇲🇾 Malaysia

Malaysia — monthly deductions EPF (employee): 11% of gross salary
SOCSO: 0.5% (capped at RM 4,925 wage)
EIS: 0.2% (capped at RM 4,925 wage)
PCB: progressive monthly tax

Employers also contribute 12–13% EPF, 1.75% SOCSO, and 0.2% EIS on top — these don't affect your net pay but add ~14% to total compensation.

🇸🇬 Singapore

Singapore — monthly deductions CPF (employee): 20% of gross salary (under 55)
  Capped at S$ 8,000 monthly wage = max S$ 1,600/mo
Income tax: paid annually, not deducted monthly

Singapore is unusually clean: just CPF deducted monthly. Income tax is paid in a lump sum after annual filing (or via 12-month GIRO installments). CPF rates drop progressively after age 55 to give older workers more cash flow.

🇮🇩 Indonesia

Indonesia — monthly deductions BPJS Kesehatan (Health): 1% (capped at IDR 12 million wage)
BPJS JHT (Old Age): 2% of gross
BPJS JP (Pension): 1% (capped at IDR ~10 million wage)
PPh 21 (Income Tax): progressive, after PTKP allowance

PTKP is your non-taxable income allowance, which depends on marital status and number of children. Single with no dependents = IDR 54 million annual, increasing for spouses and children.

🇵🇭 Philippines

Philippines — monthly deductions SSS: 4.5% (employee) on Monthly Salary Credit (capped PHP 35k)
PhilHealth: 2.5% (capped at PHP 100,000 wage)
Pag-IBIG: 2% (capped at PHP 200/month)
Income tax: TRAIN law brackets, after annual deductions

Under the TRAIN law (effective 2023 onwards), the first PHP 250,000 of annual taxable income is tax-free. The Philippines has some of the highest take-home percentages in SEA at lower income levels.

🇹🇭 Thailand

Thailand — monthly deductions Social Security: 5% (capped at THB 15,000 wage = max THB 750/mo)
Income tax: progressive, after personal allowance + expense deduction

Thailand allows a 50% expense deduction on employment income (capped at THB 100,000) plus a THB 60,000 personal allowance, before applying progressive brackets from 0% to 35%.

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Negotiating across countries?

If you're relocating or comparing offers, remember total compensation includes employer contributions (often 12–17% on top) and benefits. A lower nominal salary in one country may equal a higher one elsewhere.

Compare salary benchmarks →

Frequently asked questions

Is this calculator accurate for my exact situation?
It uses the standard rates for each country and gives a close estimate. However, real payroll involves edge cases — bonuses taxed differently, allowances that may or may not be subject to deductions, age-related rate changes, special tax treatments for expats, and so on. Treat this as a guideline, not a payslip.
What about employer contributions?
Employer contributions don't reduce your take-home pay — they're paid on top by the employer. But they're part of your total compensation: in Malaysia, employers add another ~14%; in Singapore, ~17% CPF; in Indonesia, ~10–11% across BPJS programmes. When comparing offers, ask about total compensation, not just gross salary.
Are bonuses calculated the same way?
No. Each country has its own bonus tax treatment. Malaysia's PCB on bonuses uses a special "bonus" formula. Singapore's CPF still applies up to the Additional Wage ceiling (S$ 102k/year). Indonesia treats bonuses as part of annual taxable income. This calculator shows regular monthly salary deductions, not bonus months.
Does this work for self-employed people?
No — this calculator is for employees on payroll. Self-employed contributions to social security are usually voluntary or scaled differently, and tax filing involves business expenses. Different rules apply in each country.
Why is take-home so different even at similar gross levels?
Because each country deducts a different mix. Singapore takes a flat 20% CPF but no monthly tax — high CPF but visible lump sum. Malaysia takes only 11% EPF + minor social + tax. Indonesia and Philippines have multiple smaller social funds that add up. Thailand has the lowest mandatory social deductions but applies tax differently.

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Calculations use standard rates for each country as of 2026. Actual deductions depend on age, marital status, voluntary contributions, employer-specific arrangements, and recent regulatory changes. Always verify with your HR department or local tax authority. Not financial advice. See methodology for the full per-country formula.