Example: single, RM8,000 a month plus a one-month bonus, basic reliefs only — YA2026 tax is about RM7,623.50. Max out lifestyle (RM2,500), sports (RM1,000) and PRS (RM3,000), plus check-ups and vaccines (RM2,000), and it drops to about RM6,008.50 — RM1,615 saved.
Want your own numbers? Use the year-end planner.
1. Upgrade your phone, laptop or tablet
If you were going to anyway, buy before 31 December and claim it under the lifestyle relief — along with internet bills, books and e-books.
2. Add up your internet and phone bills
Home broadband and mobile plans in your name both count. That’s often RM1,000–1,500 a year that people forget.
3. Family health check-ups
Full check-ups, mental-health consultations and self-monitoring devices (BP monitors, glucose meters) use the RM1,000 check-up sub-limit.
4. Get vaccinated
From YA2026 every NPRA-registered vaccine counts (flu, HPV, pneumococcal…), for you, your spouse or children — RM1,000 sub-limit.
5. See the dentist
Dental check-ups and treatment have their own RM1,000 sub-limit (not cosmetic).
6. Sports gear, gym, court fees
The RM1,000 sports relief is separate from lifestyle. Equipment such as rackets, gym memberships, facility rental and race entries all count (sports shoes only from YA2027).
7. Top up your PRS
The classic year-end move: contributions to a Private Retirement Scheme save tax at your marginal rate. Withdrawals before 55 are taxed 8%.
8. Save in SSPN
Parents can deduct up to RM8,000 of net SSPN deposits. The money stays yours, saved for your child’s education.
9. Check your insurance premiums
Life insurance (RM3,000) and medical/education insurance (RM4,000) are separate limits. From YA2026 children’s life policies count too.
10. Check-ups for your parents
The parents relief goes up to RM8,000, including RM1,000 for check-ups and vaccines.
11. Go out — it’s deductible
New for YA2026: tickets to museums, zoos, theme parks, national parks and cultural shows, up to RM1,000.
12. Install home CCTV or a food waste grinder
Added to the RM2,500 sustainability & home-safety relief for YA2026–2027, once every 2 years.
Finally: keeping receipts
You don’t upload receipts when filing, but LHDN can ask for them for 7 years. Photograph every receipt into one folder and ask for an e-Invoice (give your IC number) — LHDN is piloting pre-filled reliefs from e-Invoice data for YA2026.