--- title: "M’sians Cannot Believe Someone Earning Nearly RM29K A Month Takes Home Less Than RM20K" url: https://weirdkaya.com/msians-cannot-believe-someone-earning-nearly-rm29k-a-month-takes-home-less-than-rm20k/ date: 2026-08-06 modified: 2026-08-06 lang: en author: "Jann Firdaus" description: "A Malaysian bank consultant has sparked an online discussion after sharing a client’s payslip showing how a salary of nearly RM29,000 was reduced to RM18,828.55 after deductions. In a Threads..." categories: - "Society" tags: - "mnc" - "Salary" - "take home pay" image: https://cdn.weirdkaya.com/media/202608-wk-Msians-Cannot-Believe-Someone-Earning-Nearly-RM29K-A-Month-Takes-Home-Less-Than-RM20K-3656.webp word_count: 397 --- # M’sians Cannot Believe Someone Earning Nearly RM29K A Month Takes Home Less Than RM20K ## TL: DR - **Threads Viral Payslip:** A Malaysian bank consultant shares a multinational company client's RM28,900 gross monthly salary reduced to RM18,828.55 net pay. - **Total Monthly Deductions:** Statutory deductions reach RM10,071.45, including RM5,754.80 for PCB, RM4,275 for EPF, RM29.75 for SOCSO, and RM11.90 for EIS. - **EPF And Tax Debate:** Netizens discuss the RM5,754.80 PCB tax cut and note the RM4,275 EPF deduction equals 15% of the RM28,500 basic salary. ##### A Malaysian bank consultant has sparked an online discussion after sharing a client’s payslip showing how a salary of nearly RM29,000 was reduced to RM18,828.55 after deductions. In a Threads post that garnered over 828,000 views, the consultant said the client worked at a multinational company and earned close to RM29,000 a month. He then asked Malaysians whether the remaining take home pay would be enough for their monthly expenses. ## More than RM10,000 deducted ![ wk m’sians cannot believe someone earning nearly rm k takes home less than rm k. ](https://weirdkaya.com/wp-content/uploads/202608-wk-Msians-Cannot-Believe-Someone-Earning-Nearly-RM29K-Takes-Home-Less-Than-RM20K.-3654.webp)Photo via [Threads/elvis.hcs](https://www.threads.com/share/E39qpmuNg/) [According to the payslip](https://www.threads.com/share/FdQ7mhXu7/) shared, the client received a basic salary of RM28,500, along with a RM150 transport allowance and RM250 in parking claims. This brought the total gross earnings to RM28,900. However, the following deductions amounted to RM10,071.45: **Employee EPF: RM4,275 Employee SOCSO: RM29.75 EIS: RM11.90 PCB: RM5,754.80** After all deductions, the client was left with a net pay of RM18,828.55. > **Salary is almost RM29,000 and the client works at an MNC. But after all the deductions, the net pay is only around RM18,800,” the consultant wrote.** ## Netizens shocked by PCB amount The payslip quickly drew attention from netizens, with many surprised that someone earning close to RM30,000 would take home less than RM20,000. ![ wk ringgit ](https://cdn.weirdkaya.com/media/202607-wk-ringgit-3178.webp)Photo via Canva One commenter said the RM5,754.80 PCB deduction was the most painful part, as those paying thousands in taxes may not qualify for certain government assistance. Another netizen joked that the higher the income, the larger the deductions would be. “*RM18,000 net looks like a lot, but it may only be enough for a family preparing to send their children to university*,” another commenter wrote. ## Some questioned the EPF contribution Several netizens also noticed that the client’s employee EPF contribution amounted to RM4,275, equivalent to 15% of the RM28,500 basic salary. ![](https://weirdkaya.com/wp-content/uploads/KWSP-EPF-1-4.jpg)For illustration purposes only. Photo by WeirdKaya One commenter questioned whether the client had opted to contribute more than the standard mandatory rate. Another user explained that employees could choose to make additional EPF contributions and arrange for the amount to be deducted from their monthly salaries. Meanwhile, other netizens shared their own financial situations, including one who claimed to earn around RM25,000 a month but had only RM2,500 left after settling various commitments. While RM18,800 may still be considered a high take home salary for many Malaysians, the viral payslip showed just how large the gap between gross income and net pay can become at higher salary levels. > [ View on Threads](https://www.threads.com/@elvis.hcs/post/DbmdHZakkMQ) **[READ ALSO:](https://weirdkaya.com/48yo-msian-with-rm931k-in-epf-still-fears-it-wont-be-enough-to-retire-due-to-rm10k-monthly-commitments/)** https://weirdkaya.com/48yo-msian-with-rm931k-in-epf-still-fears-it-wont-be-enough-to-retire-due-to-rm10k-monthly-commitments/ --- ![Check Us out at WhatsApp now!](https://cdn.weirdkaya.com/media/cta-whatsapp-v2.jpg)Join us at [WhatsApp ](https://bit.ly/WhatsAppWeirdKaya)now! ---