Spectra Calculator

← Retirement & protection

SOCSO & EIS

Statutory protection contributions that reduce take-home pay.

The calculator estimates employee SOCSO and EIS on a capped wage basis. Your payslip and current PERKESO schedule are the source of truth.

Why it matters

Net income gives a more realistic DSR view than gross income alone.

Quick tip

Use your actual PCB and payslip deductions when comparing affordability.