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We will be right with you.
Low effort wins: Reliefs most salary earners can claim
Relief |
Max Amount |
Notes |
|---|---|---|
| Individual - Self | RM9,000 | Automatically granted. Add a RM7,000 if you're a disabled individual. |
| EPF contribution & life insurance premium | Up to RM7,000 combined
(EPF RM4,000 + Life insurance RM3,000) |
If you are a salaried worker, EPF is likely auto-deducted. |
| Employee contribution to Social Security Organisation (SOCSO) | RM350 | Check your payslip – if it's deducted, you can claim it |
Medical expenses (Self / Spouse / Child) |
RM10,000 | Include serious disease treatment, fertility treatment, vaccination, dental examination and medical check-up. |
| Education / Skill courses fee | RM7,000 | For approved upskilling or professional courses. |
| Supporting parents (Medical) | RM8,000 | For medical, dental treatments, medical examination and special needs or carer expenses of parents / grandparents. |
Other quick wins
Relief |
Max Amount |
Notes |
|---|---|---|
| Voluntary / Obligatory EPF and pension schemes contributions | Up to RM4,000 combined | Top up your EPF before year-end. |
| Insurance premiums for education / medical benefits | Up to RM4,000 combined | 🎉 Increased limit from YA2025. |
| Private Retirement Scheme (PRS) and deferred annuities premiums | Up to RM3,000 combined | Two birds with one stone! Enjoy this relief as you save for your retirement.
No PRS account? Visit the nearest CIMB branch to open one now. |
| Savings deposited into Skim Simpanan Pendidikan Nasional (SSPN) | Up to RM8,000 | Claimable by either parent. |
Reliefs that depend on your lifestyle and situation
Relief |
Max Amount |
Notes |
|---|---|---|
| First-home loan interest | Up to RM7,000 (subject to loan amount) | Applicable for first residential home loan for sales and purchase agreement executed from 2025 - 2027. |
Lifestyle (Books, gadgets, internet, sports) |
RM2,500 | Purchase of books, gadgets, internet bills, smartphones, etc. |
| Childcare fees for child ≤ 6 years old | RM3,000 | Raising a child can be pricey – remember to claim if you have fees paid to registered child care centre (TASKA) / kindergarten (TADIKA), claimable by each parent.
🎉 Great news: This relief has been extended until YA2027. |
| Breastfeeding equipment | RM1,000 |
Claimable once every 2 years. |
| Sports equipment / Gym fees | RM1,000 | Adopt that healthy lifestyle now 🏋️. |
| Electric vehicle / Green tech | RM2,500 | Now expanded to include food waste composting machines for household use, claimable once every 3 years. |
| Spouse / Alimony | RM4,000 | If your spouse has no income or for alimony payments. |
| Disabled individual (Additional relief) | RM6,000 (Spouse)
RM8,000 (Unmarried child) |
🎉 Relief amounts increased effective YA2025.
If the child is over 18 years of age and currently pursuing full-time higher education, additional RM8,000 relief is claimable. |
| Child | Per unmarried child
• < 18 years old: RM2,000
• > 18 years old: Up to RM8,000 |
Relief for child over 18 years old is only applicable for child that are receiving full-time instruction at
• school, college, university or similar establishment; or
• establishment of higher education; or
• serving under articles / indentures in a trade / profession in Malaysia. |
| Checklist | Things To Do | Notes |
|---|---|---|
| ▢ | Collect receipts | Medical bills, education fees, lifestyle purchases. |
| ▢ | Review EPF and insurance statements | These are guaranteed claims. |
| ▢ | Plan big purchases | Laptops, gym gear, books and check the fine print again to make sure it falls under the “lifestyle relief” bucket. |
| ▢ | Support for parent / grandparent | If you’re paying for their medical, dental, vaccination or carer services (require medical certification), keep the invoices. |
| ▢ | Track childcare / education costs | Make sure they qualify under registered providers. |
| ▢ | Consider green upgrades | If you were eyeing for EVs or home eco tech, consider getting it as a Christmas gift this year. |
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