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Year-End Tax Planner Malaysia: Save Tax Before 31 December

YA2026 reliefs only count money paid by 31 December 2026. This tool shows how much of each relief you have left and how much tax filling it would save — biggest savings first.

① Your income

② What have you already spent or paid this year?

More accurate if you fill it in. Not sure? Leave 0 and come back — it’s saved in your browser.

79 days to 31 Dec. Do the common moves below and your YA2026 tax drops by

RM1,265

Current estimated YA2026 tax RM3,111.50 · Marginal rate 11%

  1. 1Private Retirement Scheme (PRS)

    Top up a PRS (the money stays yours)

    RM330

    saving

    RM3,000 left · saves RM11 per RM100

  2. 2Medical expenses: self, spouse, child

    Check-up, vaccines, dentist (RM1,000 each)

    RM330

    saving

    RM3,000 left · saves RM11 per RM100

  3. 3Lifestyle relief

    New phone or laptop, internet bills, books

    RM275

    saving

    RM2,500 left · saves RM11 per RM100

  4. 4Sports relief

    Sports gear, gym, court fees

    RM110

    saving

    RM1,000 left · saves RM11 per RM100

  5. 5Domestic tourism entrance fees

    Attraction, theme park and show tickets

    RM110

    saving

    RM1,000 left · saves RM11 per RM100

  6. 6Parents & grandparents: medical and care

    Full check-up for your parents

    RM110

    saving

    RM1,000 left · saves RM11 per RM100

Other reliefs with room left (depends on your situation, 5)

  • Education fees (self)

    Up to RM7,000 for your own recognised courses or upskilling.

    RM770

    saving

    RM7,000 left · saves RM11 per RM100

  • Supporting equipment for the disabled

    Up to RM6,000 for equipment for a disabled self, spouse, child or parent.

    RM660

    saving

    RM6,000 left · saves RM11 per RM100

  • Education & medical insurance

    Medical card and education insurance premiums for self, spouse and children — up to RM4,000.

    RM440

    saving

    RM4,000 left · saves RM11 per RM100

  • Life insurance / family takaful

    Life insurance premiums or family takaful contributions — up to RM3,000 (shared with voluntary EPF).

    RM330

    saving

    RM3,000 left · saves RM11 per RM100

  • EV charging, composting & home CCTV

    EV chargers, food composters, food waste grinders and home CCTV — up to RM2,500.

    RM275

    saving

    RM2,500 left · saves RM11 per RM100

Only spend on things you actually need. A relief only cuts part of the tax — spending RM100 saves at most RM30. PRS and SSPN are savings: the money stays yours.

Want a checklist for every relief?

The YA2026 Tax Toolkit: an auto-calculating Excel planner, receipts checklist for every relief, and step-by-step e-Filing guide.

Get the toolkit US$4.49 (≈RM19)

FAQ

Why does it have to be done by 31 December?

Reliefs follow the year you pay. Money paid by 31 December 2026 counts for YA2026; anything paid from 1 January goes into YA2027.

How much tax does RM100 of spending save?

Your marginal rate: RM6 at 6%, RM19 at 19%. Reliefs matter most to higher earners — lower earners shouldn’t spend just for a relief.

What are the best year-end moves?

Start with spending you would do anyway: phone, laptop and internet (lifestyle), check-ups and vaccines (medical), sports. Then savings-type reliefs: PRS (RM3,000) and SSPN (RM8,000) — the money stays yours.

How long should I keep receipts?

You don’t upload receipts when filing, but LHDN can ask for them for 7 years. Ask for an e-Invoice (give your IC number) to make filing easier.