One page, three tabs: how it works, what you'd pay as an individual, and when a company beats personal rates. Type your numbers or drag the sliders — every tab ends in one clear final line.
You pay tax once a year, on one number: everything you won, minus everything you lost, minus your business costs — for Jan 1 to Dec 31.
It does not matter that the $10,000 came in pieces. It does not matter which month was good. Only the year's total counts.
Profit $10k, withdraw only $3k? You're taxed on the $10k. The $7k left in the broker is already counted. Paying tax only on withdrawals is under-declaring — don't.
Buys and holds for months or years. Malaysia has no capital gains tax on shares for individuals — so an investor's gains are usually not taxed. But their losses can't be claimed either.
Trades often, holds briefly, uses systems/leverage, trades to profit. LHDN treats this as a business — profits are taxed, but costs are deductible and losses count.
There's no official "X trades = trader" number. Frequent trading = assume you're a trader. It's the safe assumption, and it lets you deduct costs and use losses.
Losing year? Still declare it. The loss reduces tax on your other income this year, and what's left over can reduce trading tax for up to 10 years. An undeclared loss is money thrown away.
Reliefs on top: EPF top-ups (up to RM4,000), SSPN savings (up to RM8,000), lifestyle (RM2,500), PRS (up to RM3,000). These shrink your taxable income further — try them in the Individual tab.
Keep records for 7 years. That's the law. You need: monthly broker statements, a log of every closed trade, deposit/withdrawal records, and expense receipts.
trading-tax/
└── 2026/
├── broker-statements/ (monthly PDFs)
├── trade-log.csv (every closed trade)
├── deposits-withdrawals.csv
├── expenses/ (receipts)
└── filed-return/ (your submitted Form B)
Download the trade log template
Trades in USD? Convert each trade's profit to RM using the Bank Negara rate on the day the trade closed. Write the rate in the log — that's your proof.
| When | What |
|---|---|
| Every month | Save statement, update trade log, top up tax reserve |
| 1 March | e-Filing opens on MyTax |
| 15 July | Form B deadline (salary + trading in one form) |
| During the year | CP500: 6 instalments (Mar/May/Jul/Sep/Nov/Jan) once LHDN issues the notice — revise with CP502 by 30 June if income drops |
Funding a foreign broker: if you have ringgit loans (car/house), Bank Negara caps converting ringgit to invest abroad at RM1 million per year. No loans = no cap. Normal trading sizes are nowhere near this.
Ready to see your own numbers? Open the Individual tab. Wondering about a company? Open the Company tab.
Type your numbers in the gold boxes — or drag the sliders. The bill below updates live, line by line, ending in what you actually keep.
Malaysia taxes in slices: only the part of income inside each band pays that band's rate. Crossing into a higher band never taxes everything at the higher rate.
Simple version: an Enterprise is just you with a business name — profits are taxed as your income (Tab 2 maths). A Sdn Bhd is a separate "person" — it pays its own lower, flatter tax, but costs real money to run every year.
The trick: the company pays you a modest salary (cheap personal tax bands, and the company subtracts it as a cost), the rest stays in the company at 15–17%, and dividends later bring it out tax-free. Type or drag.
The verdict already subtracts ~RM5,000/yr of company running costs. If the saving doesn't clearly beat the costs, the company is paperwork, not strategy.
Company columns assume all profit stays inside the company (best case for the company). Green = cheapest at that level.
| Yearly profit | Personal | Sdn Bhd small scale | Sdn Bhd 24% flat |
|---|
Personal wins small. The lines cross around RM150–200k — and only pull clearly apart above ~RM250k once running costs count.
Two different weapons. Deductions shrink your business profit before tax (Tab 1 covers the list). Reliefs shrink your taxable income after — and most Malaysians leave thousands unclaimed every year. This tab is the quick map; the full playbook page has every amount, condition and move.
| Relief | Max / year | What it is |
|---|---|---|
| Individual | RM9,000 | Automatic. Everyone gets it. |
| EPF contributions | RM4,000 | Includes voluntary top-ups (i-Saraan) — the money stays yours |
| SSPN net savings | RM8,000 | The most-missed relief in Malaysia. Deposit by 31 Dec, claim it |
| Life insurance | RM3,000 | Premiums paid in the year |
| Education / medical insurance | RM4,000 | For you, spouse, children |
| PRS (private retirement) | RM3,000 | Contributions to an approved PRS fund |
| Lifestyle | RM2,500 | Books, computer, phone, internet, self-improvement courses |
| Sports | RM1,000 | Equipment, gym, facility fees, race entries |
| Medical (self/spouse/child) | RM10,000 | Serious illness, fertility, dental (≤1k), vaccination (≤1k), mental health, check-ups |
| Parents' medical | RM8,000 | Treatment, special needs, carer costs |
| Your own education fees | RM7,000 | Includes up to RM2,000 of upskilling courses |
| SOCSO | RM350 | Your contributions |
| Spouse | RM4,000 | If spouse has no income / joint assessment |
| Child | RM2,000–8,000 | Per child; childcare fees up to RM3,000 extra |
| EV charger / composting machine | RM2,500 | Home installation, YA2024–2027 |
Amounts: YA 2025 list, cross-checked Oct 2026. Reliefs change with each Budget — the full playbook flags what to re-check. Stacked properly, a single trader can stack RM20,000–30,000+ of reliefs on top of business deductions.
Do all three in a good year and you've sheltered RM15,000 of income with money you still own. At a 24% marginal rate that's ~RM3,600 of tax gone — legally, in about an hour of admin.
Every relief with its conditions and proof to keep, the full deduction list, capital allowance rates, the year-end action calendar, a worked example, and the red lines.
Open the full Tax Playbook →