Income Tax Reliefs In Malaysia
善用马来西亚的所得税减免让你省下大笔钱
If you’ve ever bought a book or a smartphone and made a mental note to claim income tax relief the next year, then you know how income tax reliefs work. Tax reliefs allow you to reduce your chargeable income. Your chargeable income affects what tax rate you will be charged, which can ultimately help reduce the amount of tax you have to pay.
For example, let’s say your annual chargeable income is RM40,000. Based on this amount, the income tax you should be paying is RM900 (at a rate of 6%). However, if you can claim more say another RM11,600 in tax relief, your chargeable income would be further reduced to RM28,400. This would allow you to drop down a tax bracket, lower your tax rate to 3%, get an additional tax rebate of RM400 (for chargeable income up to RM35,000), and reduce the amount of taxes you owe to RM2. That’s a difference of RM898!
如果您曾经购买过一本书或一部智能手机，并在心里记下要在明年申请所得税减免，那么您就知道所得税减免是如何运作的。税收减免可让您减少应课税收入。您的应课税收入会影响您的税率，最终有助于减少您必须支付的税款。
例如，假设您的年度应税收入为 RM40,000。根据这个数额，您应该缴纳的所得税是 RM900（税率为 6%）。但是，假设您再多申请了 RM11,600 的税收减免，您的应课税收入将减少至 RM28,400。这将允许您降低税级，将税率降低至 3%，同时得到额外的 RM400 税务回扣，并将您欠的税款减少至剩下 RM2。省下的税款高达RM898！
The Malaysian government has a total of 20 tax reliefs that you can claim for YA 2023, so find out which tax reliefs you are eligible for here.
How To Maximise Your Income Tax Refund Malaysia
如何最大化您的马来西亚的所得税退款？
At the end of the day, we use tax reliefs, rebates, and so on to lessen the amount of tax we pay. Usually, because we’ve already been paying our income tax throughout the year in the form of monthly tax deductions (MTDs), this would translate to using tax reliefs and the like to get a bigger tax refund. The lesser the amount of tax charged according to your income tax returns form, the more money you will get in your tax refund from the government – and this is always a good thing!
So, when income tax filing opens for YA 2023 on 1 March 2024, make sure you know what reliefs and rebates to claim to maximize your income tax refund.
归根结底，我们使用税收减免、退税等方式来减少我们支付的税款。通常，因为我们已经以月度税收减免 (MTD) 的形式全年缴纳所得税，这将转化为使用税收减免等方式来获得更大的退税。根据您的所得税申报表收取的税额越少，您从政府退税中获得的钱就越多——这总是一件好事！
因此，当 2023 年的所得税申报于 2024 年 3 月 1 日开始时，请确保您知道可以申请哪些减免和退税，以最大限度地提高您的所得税退税。
RM3,000 PRS TAX RELIEF RM3,000 私人退休金减免
(SAVE MONEY TO SAVE YOUR TAX省钱就是为了减轻你的税负)
Saving for your retirement comes with more savings through PRS Tax Relief. Whether you are newly enrolled or looking to top up your account, you will love the PRS Tax Relief of up to RM3,000 annually.
The good news is an individual who contributes to his or her PRS funds is allowed to claim personal tax relief of up to RM3,000 by the Inland Revenue Board of Malaysia. This tax incentive is available until the assessment year 2025.
通过PRS 税务减免，为您增加更多退休储蓄。无论您是新注册还是想为您的账户持续增加退休储备，您都可以享有每年高达 RM3,000的PRS 税务减免。
好消息是，个人储蓄与投资至 PRS 的资金将可获得马来西亚国内税收委员会减免高达 RM3,000 的年度税款。 此税务减免延长至2025年。
HOW MUCH TAX DO YOU SAVE? 你实际能节省了多少税款？
This table illustrates the tax savings amount you could enjoy from your annual RM3,000 PRS contributions.
For example, if your tax bracket is 25%, your RM3,000 PRS contributions will give you tax savings of RM750.
此税收减免表提供的数据是根据年度 RM3,000 的 PRS 储蓄与投资金额。
例如，如果您的税收率为 25％，那么您的年度 RM3,000 PRS 储蓄与投资金额将为您节省 RM750 的税费。
Estimated Tax Savings Table: The above table serves as a guide only. You should contact your tax agent should you wish to know the exact amount of tax savings from your contribution to PRS.
Find out your potential tax refund in just 3 minutes!
3分钟内计算出明年您可以获得的税金退款！
Tax Planning
Enroll or Top Up your PRS account now.
立即注册或充值您的私人退休储蓄账户
