Malaysia Personal Tax Reliefs Checklist (YA2025) — Don't Miss These
2026-06-12
Tax reliefs reduce your chargeable income before tax is calculated — every relief you miss is tax you overpay. Here's the checklist for YA2025.
Personal & family
- Individual — RM9,000 (automatic)
- Disabled individual — additional RM6,000
- Spouse (no income) — RM4,000
- Child under 18 — RM2,000 each
- Child 18+ in full-time tertiary education — RM8,000 each
- Disabled child — RM6,000 (plus extra if studying)
Lifestyle & family expenses
- Lifestyle (books, devices, internet, gym) — up to RM2,500
- Sports equipment & activities — up to RM1,000
- Childcare / kindergarten fees — up to RM3,000
- Breastfeeding equipment — up to RM1,000
- SSPN education savings (net deposit) — up to RM8,000
Medical & health
- Serious disease / fertility / parents' medical — up to RM10,000
- Full medical check-up, mental health, dental — within the above limit
- Parents' medical / care — up to RM8,000
Insurance & retirement
- EPF (employee) — up to RM4,000
- Life insurance / Takaful — up to RM3,000
- Education / medical insurance — up to RM3,000
- PRS / deferred annuity — up to RM3,000
- SOCSO / EIS — up to RM350
Housing
- Housing loan interest (conditions apply) — up to RM7,000
- EV charging equipment — up to RM2,500
How much do reliefs actually save you?
Reliefs cut your chargeable income, so the saving equals your relief × your marginal tax rate. If you're in the 19% band, claiming RM5,000 of reliefs saves you roughly RM950 in tax.
Use the free personal tax calculator — switch to the full calculator and tick each relief to see your tax drop in real time.