Malaysia Income Tax Relief Checklist YA2025

Filing Year 2026 (for income earned Jan–Dec 2025) — All 27+ reliefs with exact RM limits and eligibility

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Filing Deadline: April 30, 2026 (Form BE) • June 30, 2026 (Form B) Don’t miss reliefs worth thousands of ringgit. Review this checklist before submitting.
What is Year of Assessment (YA)? YA2025 means income earned between 1 January 2025 and 31 December 2025. You file this in 2026. When the form asks for YA, enter 2025.
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Personal & Family Reliefs

Individual (Self)
RM 9,000
Automatic for every resident individual. No documentation needed.
All taxpayers
Spouse (No Income)
RM 4,000
Spouse with no income or income below RM4K. If spouse has separate filing, each claims own personal relief only.
Married, spouse unemployed
Child (Under 18)
RM 2,000 each
For each unmarried child under 18 years of age as at 31 Dec 2025.
Per qualifying child
Child (18+, Studying)
RM 8,000 each
Unmarried child aged 18+ in full-time education (A-level, diploma, degree) at approved institution locally or abroad.
Tertiary education
Parents (Medical & Care)
RM 8,000
Medical treatment, special needs, or care for parents. Requires receipts. Cannot claim both parents care AND disabled parents relief simultaneously.
Medical receipts required
Disabled Individual (Self)
RM 6,000
Additional relief for individual with OKU status registered with JKM.
OKU card required
Disabled Spouse
RM 5,000
Additional relief if your spouse is OKU-registered.
OKU card required
Disabled Child
RM 6,000 each
For each child with OKU status. Replaces the standard child relief (takes the higher amount).
OKU card required
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Lifestyle Reliefs

Lifestyle (General)
RM 2,500
Books, journals, magazines, printed newspapers; computer/tablet/smartphone; sports equipment; gym membership; internet subscription (combined limit).
Receipts required
Sports Activities
RM 1,000
Additional relief (on top of lifestyle RM2,500) for purchase of sports equipment, gym fees, or sports competition entry fees.
Sports receipts
EV Charging Equipment
RM 2,500
Purchase or installation of EV charging facilities at your home. Introduced for YA2024, continues for YA2025.
EV charging receipt
Breastfeeding Equipment
RM 1,000
Breast pumps and accessories for a child aged 2 or below. Claimable once every 2 years.
Mother only
Domestic Tourism
RM 1,000
Expenses on accommodation at registered hotels/guesthouses in Malaysia. Package tours via licensed travel agencies. Keep receipts.
Hotel/tour receipts
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Education Reliefs

Self Education Fees
RM 7,000
Tuition fees at approved local/foreign institutions for recognised qualifications (diploma, degree, Masters, PhD). Skills upgrading courses at approved institutions also qualify.
Official fee receipts
SSPN (Savings)
RM 8,000
Net deposits into Skim Simpanan Pendidikan Nasional (PTPTN savings plan) for children’s education. Net = deposits minus withdrawals for the year.
PTPTN SSPN statement
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Medical Reliefs

Medical Expenses (Self, Spouse, Child)
RM 10,000
Medical treatment, dental (non-cosmetic), fertility treatment, vaccination, COVID-19 testing. Includes mental health examination and counselling at registered health clinics.
Medical receipts
Serious Disease
RM 10,000
Included within the RM10,000 medical limit above — specifically for serious diseases (cancer, heart disease, AIDS, Parkinson’s, kidney failure, etc.) for self, spouse or child.
Part of medical RM10K
Special Needs Child Care
RM 6,000
Expenses on care, treatment, or rehabilitation of a child with a physical or mental disability. Separate from the standard medical relief.
Receipts + OKU docs
Medical Examination (Self)
RM 1,000
Included within the overall medical limit. Health screening, medical examination, or COVID-19 test for yourself.
Part of medical RM10K
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EPF, Insurance & Retirement Reliefs

EPF / KWSP Contributions
RM 4,000
Mandatory EPF contributions deducted from salary. Voluntary contributions (i-Saraan, i-Suri) also qualify. Check your EA form or EPF annual statement.
EA form / EPF statement
Life Insurance Premiums
RM 3,000
Combined limit with EPF: life insurance OR takaful premiums. If EPF already uses RM4,000, this can be claimed separately up to RM3,000 (combined max RM7,000 with EPF).
Insurance statement
Private Retirement Scheme (PRS)
RM 3,000
Contributions to SC-approved Private Retirement Scheme funds. Separate from EPF. Includes PRS Youth incentive.
PRS statement
SOCSO / EIS Contributions
RM 350
Employee contributions to PERKESO (SOCSO) and Employment Insurance System (EIS). Amount shown on your EA form.
EA form
Education / Medical Insurance
RM 3,000
Premiums for education insurance or medical/health insurance for self, spouse, or child. Separate from life insurance relief.
Insurance receipts
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Housing Reliefs

Housing Loan Interest (First Home)
RM 10,000 / year
Interest paid on home loan for your FIRST residential property, for up to 3 years from the first year of repayment. Maximum RM10,000/year. Property must not be rented out.
Loan interest statement

Quick Reference: Maximum Relief Summary

Category Relief Max Claim
Personal (Self)Individual reliefRM 9,000
SpouseNon-working spouseRM 4,000
ChildrenUnder 18 (each)RM 2,000
Children18+, studying (each)RM 8,000
ParentsMedical & careRM 8,000
LifestyleBooks, gadgets, internet, sportsRM 2,500
LifestyleSports (additional)RM 1,000
LifestyleEV chargingRM 2,500
LifestyleDomestic tourismRM 1,000
EducationOwn tuition feesRM 7,000
EducationSSPN savingsRM 8,000
MedicalSelf/spouse/child treatmentRM 10,000
MedicalSpecial needs childRM 6,000
EPF/InsuranceEPF contributionsRM 4,000
EPF/InsuranceLife insurance / takafulRM 3,000
EPF/InsurancePrivate Retirement SchemeRM 3,000
EPF/InsuranceEducation/medical insuranceRM 3,000
EPF/InsuranceSOCSO / EISRM 350
HousingHome loan interest (first home)RM 10,000
Maximum possible reliefs (single, no dependants)
RM 9,000 + lifestyle + EPF + medical...
Important: Tax relief reduces your chargeable income, not your tax bill directly. To estimate your actual tax savings, use the Income Tax Calculator. Reliefs are proportional to your tax bracket — higher income = higher savings from the same relief.

Frequently Asked Questions

Can both spouses claim child relief for the same child?
Yes, but the combined claim cannot exceed the maximum (e.g., RM2,000 for a child under 18). Typically split 50/50 or all claimed by one spouse — whichever lowers your combined tax. The system allows you to choose the split ratio when filing.
What receipts do I need for lifestyle relief?
Keep all receipts — for books, electronics, sports equipment, gym memberships, and internet bills. LHDN may audit claims. Digital receipts (PDFs, email confirmations) are acceptable. Store for 7 years.
Can I claim EPF if I’m self-employed?
Yes — through the voluntary i-Saraan scheme. Contributions you make voluntarily to EPF under i-Saraan count toward the RM4,000 EPF relief. Check your EPF i-Akaun for the annual statement to get your exact contribution amount.
Is the SSPN relief RM8,000 per child or total?
The RM8,000 SSPN relief is the total combined limit across all your children’s SSPN accounts. It is not per child. Net deposits (deposits minus withdrawals) across all accounts for the year.
Can I claim for a parent who lives in another state?
Yes. Parents’ medical expenses relief does not require the parent to live with you. Keep all receipts for their medical treatment, hospitalisation, and care costs. The relief is for supporting your parents’ medical needs regardless of location.
Does the RM10,000 medical relief cover dental?
Non-cosmetic dental treatment is covered under the RM10,000 medical relief. Cosmetic dental work (teeth whitening, veneers for aesthetic reasons) is NOT claimable. Orthodontic treatment is generally claimable as a medical expense.
Where do I enter reliefs in the e-Filing form?
In Form BE/B on the MyTax portal, navigate to Part F (Tax Reliefs). Each relief has its own field. The form auto-calculates chargeable income as you enter amounts. Make sure to click “Save” after each section before navigating away.

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Disclaimer: This checklist is for general reference only and reflects YA2025 relief limits based on publicly available LHDN guidelines as of March 2026. Relief amounts and eligibility conditions may change. Always verify with the official LHDN portal at hasil.gov.my or consult a licensed tax agent for your specific situation.