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Simulasi gaji pertama: daripada gaji kasar kepada bajet

Bandingkan angka gaji bersumber dengan skop dan tahun yang jelas. Bezakan gaji graduan baharu, median semua umur dan contoh bajet; tiada jaminan pekerjaan atau kenaikan gaji.

Disemak oleh kakitangan Mereka

Diterbitkan pada 24 Okt 2026Semakan seterusnya pada 24 Jan 2027Bacaan 9 minit31 daripada 31 fakta disahkan dengan sumbernya

Angka sepintas lalu

Disahkan
In the 2025 Graduate Tracer Study, 44.9% of new certificate (sijil) graduates and 43.2% of new diploma graduates earned RM1,501-RM2,000 a month.
0RM1,501RM2,000
Disahkan
In the 2025 Graduate Tracer Study, the most common income band for new first-degree graduates was RM3,001-RM4,000 (23.8%), 17.3% earned RM2,501-RM3,000, and 64.1% earned RM3,000 or less (sum of the five bands up to RM3,000: 6.6 + 5.1 + 16.2 + 18.9 + 17.3).
0RM3,001RM4,000
Disahkan
Each simulation salary sits inside a 2025 SKPG band: RM1,800 and RM2,000 in the RM1,501-2,000 band (44.9% of new certificate and 43.2% of new diploma graduates) and RM3,000 at the top of the RM2,501-3,000 band (17.3% of new degree graduates); the values themselves are our choice.
0RM1,501RM2,000

Fakta utama

  • Data gaji graduan dan pekerja: tahun rujukan 2025; sumber asal disemak pada 23 Oktober 2026.[1][2][3][4][5][6]
  • Angka ialah pemerhatian kumpulan, bukan janji gaji anda.
  • Kad bajet ialah contoh program; kos kehidupan sebenar bergantung pada keadaan anda.

Cara membaca bukti

Angka graduan baharu di bawah merujuk kepada warga Malaysia yang tamat pengajian di institusi dalam liputan Kajian Pengesanan Graduan KPT pada 2025. Bidang pengajian tidak sama tepat dengan tajuk kerja. Ia tidak meliputi semua lepasan SPM. Median DOSM pula meliputi pekerja pelbagai umur dan pengalaman, bukan gaji permulaan yang dijamin.

Median ialah nilai tengah. Julat gaji menunjukkan bahagian responden dalam suatu lingkungan. Gaji kasar belum ditolak caruman atau cukai. Jumlah peratus bagi julat yang digabungkan ialah pengiraan pasukan daripada jadual sumber, bukan statistik baharu daripada tinjauan lain.

Jadual bersumber

Setiap jadual mengekalkan angka dan tahun daripada edisi sumber. Data gaji: KPT dan DOSM 2025. Jadual potongan, jika ada: jadual KWSP/PERKESO dan peraturan PCB yang dirujuk, bukan kadar anggaran rata. Semakan sumber: 23 Oktober 2026.[1][2][3][4][5][6]

LaluanKad gajiWhere it comes from
SPM, straight to workRM1,700The legal minimum monthly wage since 1 February 2025: a floor, not a typical salary or an offer[7]
SKM or certificateRM1,800Inside the band where 44.9% of new certificate graduates were in 2025[1]
DiplomaRM2,000Top of the band where 43.2% of new diploma graduates were in 2025[1]
IjazahRM3,000Top of the RM2,501 to RM3,000 band (17.3% of new degree graduates in 2025)[1]
Kad gajiEPFSOCSOEISGaji bersih
RM1,700RM187RM8.25RM3.30RM1,501.45
RM1,800RM198RM8.75RM3.50RM1,589.75
RM2,000RM220RM9.75RM3.90RM1,766.35
RM3,000RM330RM14.75RM5.90RM2,649.35
Kad gajiEPFSOCSOEISGaji bersih
RM1,700RM187RM8.25TiadaRM1,504.75
RM2,000RM220RM9.75TiadaRM1,770.25
LineJumlah
Gaji tahunan (RM2,000 x 12)RM24,000
Personal relief-RM9,000
EPF relief (RM220 x 12)-RM2,640
SOCSO and EIS relief (RM13.65 x 12)-RM163.80
Chargeable incomeRM12,196.20
Tax: 1% of the RM7,196.20 above RM5,000RM71.96
Less the RM400 rebateRM0
LineJumlahSumber or choice
Gaji kasarRM2,000Diploma salary card
EPF, SOCSO and EIS-RM233.65Step 2 table (18 to 59)
Income taxRM0Step 3 working
Gaji bersihRM1,766.35
Room, outer Klang Valley-RM650Inside the RM550 to RM900 asking-rent band
My50 pass-RM50myRapid
Food-RM600His choice
Phone-RM40His choice
Family contribution-RM200His choice
Savings-RM150His choice
PTPTNRM0Not started yet (fictional timing)
Left for everything elseRM76.35

Umur, caruman dan cukai

Contoh jadual caruman di atas ialah untuk pekerja yang memenuhi syarat skim, bukan bekerja sendiri. EIS/SIP lazimnya meliputi pekerja sektor swasta berumur 18 hingga 60 tahun yang layak; pekerja berumur 17 tahun tidak menggunakan potongan EIS dalam contoh ini. Semak kategori dan sejarah caruman dengan PERKESO. Jadual bersih tidak boleh digunakan tanpa menyemak umur dan status pekerja.[8][4]

Cukai sifar dalam simulasi ialah hasil pengiraan bersyarat: satu pekerjaan sepanjang tahun, tiada pendapatan lain dan pelepasan standard seperti yang dinyatakan. PCB sebenar boleh berbeza. Ia bukan pengecualian cukai bagi semua pekerja muda.[5]

Danial ialah watak rekaan, bukan kisah peserta. Sewa, perjalanan, makanan dan simpanan dalam bajetnya ialah andaian latihan, bukan harga pasaran yang disahkan. Baki kecil bukan ukuran disiplin atau nilai seseorang. Kira juga deposit dan tunai sebelum gaji pertama tiba.

Bayaran balik PTPTN mengikut jadual peminjam. Penangguhan yang diumumkan untuk 2027 masih memerlukan butiran pelaksanaan; jangan berhenti membayar hanya kerana membaca pengumuman. Hutang tertangguh masih perlu dibayar.[9][10]

Apa maknanya untuk anda

Kadar graduan bekerja bukan bilangan kekosongan, tempoh mencari kerja atau jaminan kestabilan. Perbezaan median antara umur, jawatan atau kelayakan tidak membuktikan bahawa orang yang sama akan mendapat kenaikan itu. Tiada angka berasingan yang mewakili semua syarikat pemula teknologi dalam sumber ini. Jangan mencipta premium gaji untuk “startup”.

Gaji minimum dan pengumuman 2027

Rujukan perintah gaji minimum yang diterbitkan ialah RM1,700 sebulan.[7] Belanjawan 2027 mengumumkan RM2,000 mulai Jun 2027 dengan pengecualian berasaskan jualan bagi perusahaan yang dinyatakan. Itu pengumuman dasar; semak perintah baharu, skop dan tarikh kuat kuasa sebelum menganggapnya hak semasa.[11]

Langkah seterusnya

Bandingkan dua iklan kerja yang sesuai dengan laluan anda. Tanya sama ada gaji ialah gaji pokok atau termasuk kerja lebih masa, syif, percubaan, kos lesen dan latihan keselamatan. Catat sumber, tahun dan perkara yang belum diketahui. Bina bajet menggunakan gaji bersih dan kos sebenar, kemudian bincangkan satu soalan dengan pengamal bidang atau fasilitator.

Kos pilihan Danial ialah andaian latihan yang dikarang oleh pasukan, bukan harga pasaran. Lihat helaian andaian dan semak pengiraan sebelum mengubah senario.[12]

Sejauh manakah kita pasti?

Setiap fakta atau angka dalam panduan ini dan sejauh mana ia disokong sumber. Menyemak bukti ialah satu kemahiran: buka sumber dan lihat sama ada anda bersetuju.

31 daripada 31 fakta disahkan dengan sumbernya

  • Disahkan · Sumbernya menyatakan perkara ini.

    In the 2025 Graduate Tracer Study, 44.9% of new certificate (sijil) graduates and 43.2% of new diploma graduates earned RM1,501-RM2,000 a month.

    Sumber:[1]

  • Disahkan · Sumbernya menyatakan perkara ini.

    In the 2025 Graduate Tracer Study, the most common income band for new first-degree graduates was RM3,001-RM4,000 (23.8%), 17.3% earned RM2,501-RM3,000, and 64.1% earned RM3,000 or less (sum of the five bands up to RM3,000: 6.6 + 5.1 + 16.2 + 18.9 + 17.3).

    Sumber:[1]

  • Disahkan · Sumbernya menyatakan perkara ini.

    Each simulation salary sits inside a 2025 SKPG band: RM1,800 and RM2,000 in the RM1,501-2,000 band (44.9% of new certificate and 43.2% of new diploma graduates) and RM3,000 at the top of the RM2,501-3,000 band (17.3% of new degree graduates); the values themselves are our choice.

    Sumber:[1]

  • Disahkan · Sumbernya menyatakan perkara ini.

    The 2025 Graduate Tracer Study covers citizen graduates of local higher education and public skills institutions who convocated in 2025 (SKM level 2 to PhD), collected online through the SKPG system; its income tables exclude graduates working for their family without pay. The report was posted on mohe.gov.my on 22 October 2026.

    Sumber:[1]

  • Disahkan · Sumbernya menyatakan perkara ini.

    The Minimum Wages Order 2024 sets a monthly minimum wage of RM1,700 from 1 February 2025 for employees of employers with five or more employees (and professional-activity employers of any size), and from 1 August 2025 for employees of employers with fewer than five; it does not apply to domestic servants. RM1,700 is still the minimum wage in October 2026.

    Sumber:[7][11]

  • Disahkan · Sumbernya menyatakan perkara ini.

    Budget 2027 (9 October 2026) announced that the minimum wage will rise from RM1,700 to RM2,000 from June 2027, with MSMEs with annual sales below RM50 million exempted, and a minimum wage of RM2,500 a month for semi-skilled workers and graduates as a starting point, with no start date stated. These are announcements, not yet in force.

    Sumber:[11]

  • Disahkan · Sumbernya menyatakan perkara ini.

    EPF employee contribution is 11% of wages for Malaysians under 60.

    Sumber:[14][13]

  • Disahkan · Sumbernya menyatakan perkara ini.

    EPF: the minimum age to register and contribute as an EPF member is 14 (maximum age of contribution 75), and employers must pay EPF contributions for anyone engaged under a contract of service or apprenticeship.

    Sumber:[14]

  • Disahkan · Sumbernya menyatakan perkara ini.

    PERKESO: all employees under 60 contribute under the First Category of the Employees' Social Security Act 1969 (except those who reach 55 with no prior contributions); under the Employment Insurance System Act 2017, an employee is a person employed for wages under a contract of service or apprenticeship, all private-sector employees aged 18 to 60 must contribute (those aged 57 and above with no contributions before 57 are exempt), and government employees, domestic workers and the self-employed are not covered.

    Sumber:[8]

  • Disahkan · Sumbernya menyatakan perkara ini.

    SOCSO employee shares in 2026: RM8.25 (RM1,600.01-1,700), RM8.75 (RM1,700.01-1,800), RM9.75 (RM1,900.01-2,000), RM14.75 (RM2,900.01-3,000).

    Sumber:[3]

  • Disahkan · Sumbernya menyatakan perkara ini.

    EIS employee shares in 2026: RM3.30, RM3.50, RM3.90 and RM5.90 for the same wage bands.

    Sumber:[4]

  • Disahkan · Sumbernya menyatakan perkara ini.

    Net pay after EPF (Third Schedule Part A), SOCSO and EIS, by subtraction: RM1,501.45 on RM1,700; RM1,589.75 on RM1,800; RM1,766.35 on RM2,000 (deductions RM233.65); RM2,649.35 on RM3,000.

    Sumber:[2][3][4]

  • Disahkan · Sumbernya menyatakan perkara ini.

    Net pay at age 17 (no EIS before 18), by subtraction: RM1,504.75 on RM1,700 (EPF RM187.00, SOCSO RM8.25) and RM1,770.25 on RM2,000 (EPF RM220.00, SOCSO RM9.75).

    Sumber:[2][3][8]

  • Disahkan · Sumbernya menyatakan perkara ini.

    LINDUNG 24 Jam is voluntary for local employees since the July 2026 Cabinet decision.

    Sumber:[15]

  • Disahkan · Sumbernya menyatakan perkara ini.

    Illustration, under stated assumptions (Malaysian tax resident, a full year in one job, no other taxable income, only personal, EPF and SOCSO/EIS reliefs): on the RM2,000 salary card the yearly income tax is zero. RM24,000 minus RM9,000 personal relief, RM2,640 EPF relief and RM163.80 SOCSO and EIS relief gives chargeable income of RM12,196.20; 1% of the RM7,196.20 above RM5,000 is RM71.96, which the RM400 rebate cancels. The same holds on the RM1,700, RM1,800 and RM3,000 cards.

    Sumber:[5][16][2][3][4]

  • Disahkan · Sumbernya menyatakan perkara ini.

    Tax rules used: personal relief RM9,000; EPF relief up to RM4,000; SOCSO relief up to RM350, which includes EIS contributions; chargeable income of RM5,001 to RM20,000 taxed at 1% above RM5,000; RM400 rebate if chargeable income is RM35,000 or less.

    Sumber:[5][16][17]

  • Disahkan · Sumbernya menyatakan perkara ini.

    LHDN's 2026 PCB table for chargeable income of RM5,001 to RM20,000 gives M = RM5,000, R = 1% and B = minus RM400 for a single employee (B is 'the amount of tax on M after deduction of tax rebate'), and the monthly deduction formula is [(P - M) R + B - (Z + X)] / (n + 1).

    Sumber:[5]

  • Disahkan · Sumbernya menyatakan perkara ini.

    On Form BE, monthly tax deductions (MTD/PCB) made by the employer during the year are entered as payments; if they exceed the tax payable, the difference is shown as tax repayable.

    Sumber:[16]

  • Disahkan · Sumbernya menyatakan perkara ini.

    2026 asking rents in a rental platform's listing guide, for a single room in a terrace house: RM700 to RM1,000 inner KL/PJ, RM550 to RM900 outer Klang Valley, RM500 to RM800 Penang/Johor Bahru.

    Sumber:[18]

  • Disahkan · Sumbernya menyatakan perkara ini.

    The My50 pass costs RM50 for 30 days of unlimited Rapid KL LRT, MRT, Monorail, BRT and bus rides, for Malaysians only.

    Sumber:[19]

  • Disahkan · Sumbernya menyatakan perkara ini.

    In 2024, 61% of Malaysians found it hard to raise RM1,000 in emergency cash (2021: 47%).

    Sumber:[20]

  • Disahkan · Sumbernya menyatakan perkara ini.

    In 2024, 37% of Malaysians could cover living costs for more than three months if they lost their income (2021: 36%).

    Sumber:[20]

  • Disahkan · Sumbernya menyatakan perkara ini.

    PTPTN repayment starts 12 months after the loan ends, without waiting for a notice from PTPTN.

    Sumber:[9]

  • Disahkan · Sumbernya menyatakan perkara ini.

    Budget 2027 announced, for 2027, a repayment deferment for PTPTN borrowers earning up to RM2,500 a month and a minimum repayment of RM50 for borrowers earning RM2,501 to RM3,000 a month, subject to income verification by cross-checking with LHDN; on 11 October 2026 PTPTN said further details will be announced. Announced, not yet in force.

    Sumber:[10][11]

  • Disahkan · Sumbernya menyatakan perkara ini.

    Sample month (fictional inputs): net pay of RM1,766.35 minus RM1,690 of planned spending (room RM650, My50 RM50, food RM600, phone RM40, family RM200, savings RM150) leaves RM76.35, with PTPTN at RM0 because the fictional borrower's loan ended less than 12 months ago; a RM300 repair covered by the RM76.35 and the RM150 savings leaves him RM73.65 short, so the family contribution drops to RM126.35.

    Sumber:[2][3][4][18][19]

  • Disahkan · Sumbernya menyatakan perkara ini.

    In 2025 the median monthly salary & wages of citizen employees was RM1,931 at ages 20-24, RM2,285 at 25-29 and RM2,884 at 30-34.

    Sumber:[6]

  • Disahkan · Sumbernya menyatakan perkara ini.

    A room at the top of the 2026 inner KL/PJ band (RM1,000) costs RM350 more than the fictional RM650 room, which is more than the RM76.35 left plus RM150 of savings (RM226.35) in the worked month.

    Sumber:[18]

  • Disahkan · Sumbernya menyatakan perkara ini.

    For Malaysian employees under the cited EPF schedule, employee EPF on the example wage cards is RM187 on RM1,700, RM198 on RM1,800, RM220 on RM2,000 and RM330 on RM3,000.

    Sumber:[2]

  • Disahkan · Sumbernya menyatakan perkara ini.

    For an eligible employee, SOCSO RM9.75 plus EIS RM3.90 is RM13.65. The stated full-year tax example then produces RM0 income tax after the rebate under its assumptions.

    Sumber:[3][4][5][16]

  • Disahkan · Sumbernya menyatakan perkara ini.

    EIS coverage in the example starts at 18 years and ends at 60 years subject to scheme conditions; the fictional 17 years example therefore omits EIS.

    Sumber:[8][4]

  • Disahkan · Sumbernya menyatakan perkara ini.

    The programme-authored fictional scenario assumes RM650 room rent, RM600 food, RM40 phone, RM200 family contribution, RM150 savings and RM0 PTPTN repayment before that fictional borrower starts repayment. With sourced My50 RM50 and RM1,766.35 net pay, the remainder is RM76.35.

    Sumber:[12][19]

Sumber

Nombor dalam teks, seperti [1], membawa anda ke sini.

  1. [1]
    Kementerian Pendidikan Tinggi (KPT / MOHE)Laporan Kajian Pengesanan Graduan 2025 (Graduate Tracer Study report 2025) (dibuka dalam tab baharu)Diterbitkan pada 22 Okt 2026 · Disemak pada 23 Okt 2026
  2. [2]
    Kumpulan Wang Simpanan Pekerja (KWSP/EPF)Third Schedule: rate of monthly contributions (effective 1 October 2025) (dibuka dalam tab baharu)Disemak pada 22 Okt 2026
  3. [3]
    PERKESO (SOCSO)Employees' Social Security Act 1969 (Act 4): New contribution rate including the Non-Employment Injury Scheme (SKBBK) (dibuka dalam tab baharu)Diterbitkan pada 30 Mei 2026 · Disemak pada 23 Okt 2026
  4. [4]
    PERKESO (SOCSO)Rate of Contribution, Employment Insurance System (Act 800) (dibuka dalam tab baharu)Disemak pada 22 Okt 2026
  5. [5]
    Inland Revenue Board of Malaysia (LHDN / HASiL)Specification for Monthly Tax Deduction (MTD) calculations using computerized calculation for 2026 (updated 1 January 2026) (dibuka dalam tab baharu)Diterbitkan pada 1 Jan 2026 · Disemak pada 23 Okt 2026
  6. [6]
    Department of Statistics Malaysia (DOSM)Salaries & Wages Survey Report, Malaysia, 2025 (full report) (dibuka dalam tab baharu)Diterbitkan pada 21 Sep 2026 · Disemak pada 22 Okt 2026
  7. [7]
    Federal Government Gazette / Ministry of Human ResourcesMinimum Wages Order 2024 [P.U. (A) 376] (dibuka dalam tab baharu)Diterbitkan pada 4 Dis 2024 · Disemak pada 22 Okt 2026
  8. [8]
    PERKESO (SOCSO)Contributions (who contributes under the Employees' Social Security Act 1969 and the Employment Insurance System Act 2017) (dibuka dalam tab baharu)Disemak pada 23 Okt 2026
  9. [9]
    PTPTNBayaran Balik (repayment, deferment, first-class exemption) (dibuka dalam tab baharu)Diterbitkan pada 12 Jun 2025 · Disemak pada 23 Okt 2026
  10. [10]
    PTPTNBelanjawan 2027: Inisiatif PTPTN Perkukuh Kebajikan Peminjam dan Kelestarian Pembiayaan Pendidikan (dibuka dalam tab baharu)Diterbitkan pada 11 Okt 2026 · Disemak pada 23 Okt 2026
  11. [11]
    Ministry of Finance MalaysiaSpeech: The Fifth MADANI Budget 2027 (English translation) (dibuka dalam tab baharu)Diterbitkan pada 9 Okt 2026 · Disemak pada 23 Okt 2026
  12. [12]
    Mereka First Move programme teamFirst Move programme-authored assumptions in this worked example (not market observations) (dibuka dalam tab baharu)Diterbitkan pada 24 Okt 2026 · Disemak pada 24 Okt 2026
  13. [13]
    MyGOV, Government of MalaysiaEPF Contribution as Employee's Rights (Young Workers) (dibuka dalam tab baharu)Diterbitkan pada 13 Mac 2026 · Disemak pada 22 Okt 2026
  14. [14]
    Kumpulan Wang Simpanan Pekerja (KWSP/EPF)Employer Mandatory Contribution: contribution rates (dibuka dalam tab baharu)Disemak pada 22 Okt 2026
  15. [15]
    PERKESO (SOCSO)Non-Employment Injury Scheme (LINDUNG 24 Jam) (dibuka dalam tab baharu)Disemak pada 22 Okt 2026
  16. [16]
    Inland Revenue Board of Malaysia (LHDN / HASiL)Explanatory Notes, Form BE (resident individual, year of assessment 2024, filed in 2025) (dibuka dalam tab baharu)Diterbitkan pada 1 Mac 2025 · Disemak pada 23 Okt 2026
  17. [17]
    Ministry of Finance MalaysiaBelanjawan 2027: Langkah-langkah cukai (Lampiran 1 dan 2) (dibuka dalam tab baharu)Diterbitkan pada 9 Okt 2026 · Disemak pada 23 Okt 2026
  18. [18]
    SPEEDHOME (rental platform)Bilik Sewa Murah Malaysia: 2026 Cost Bands + Zero Deposit (market listing guide) (dibuka dalam tab baharu)Diterbitkan pada 20 Jun 2026 · Disemak pada 22 Okt 2026
  19. [19]
    Rapid KL / Prasarana MalaysiaMy50 Unlimited Travel Pass (dibuka dalam tab baharu)Disemak pada 22 Okt 2026
  20. [20]
    Bank Negara MalaysiaLaporan Tahunan 2024, Rencana: Kaji Selidik Keupayaan dan Rangkuman Kewangan dari Segi Permintaan bagi Tahun 2024 (dibuka dalam tab baharu)Diterbitkan pada 1 Mac 2025 · Disemak pada 22 Okt 2026
Terokai programSemak tarikh dan tempat