Know your burn rate, runway and whether you'll hit a cash gap — before it happens. Built for Malaysian SMEs with EPF, SOCSO, EIS and SST already factored in.
EPF Act 1991SOCSO 1969EIS 2017SST Act 2018
01Starting position
RM
02Monthly revenue
RM
RM
03Staff costs
RM
Gross payroll—
+ EPF employer (13%)—
+ SOCSO employer (1.75%, cap RM70/pax)—
+ EIS employer (0.4%, cap RM16/pax)—
Total employment cost / month—
04Operating expenses
RM
RM
RM
RM
05Cash flow analysis
Enter your revenue and expenses to see your cash flow analysis
A note from Dharam —
This tool gives you estimates for planning purposes only and is not financial, legal or tax advice. EPF employer contribution rates per EPF Act 1991 and EPF (Amendment) Regulations 2024: 13% for employees earning ≤RM5,000/month, 12% for those earning above. SOCSO employer contribution at 1.75% of insurable wages, capped at RM4,000/month per employee per SOCSO Act 1969. EIS employer contribution at 0.4%, capped at RM4,000/month per employee per EIS Act 2017. SST at 8% service tax (effective 1 March 2024) for registered businesses; SST filing is bi-monthly per Customs Act 1967. Projections assume steady-state revenue and expenses. Engage a licensed tax agent or accountant before making financial decisions.