Quick summary
| Topic | Explanation |
|---|---|
| Offer letter usually shows gross salary | The amount stated in an offer letter is normally before employee deductions. This means it is not always the amount you receive in your bank account. |
| Payroll deductions reduce bank-in salary | EPF, SOCSO, EIS and PCB may be deducted before salary payment. These deductions explain most differences between gross salary and take-home pay. |
| Other payroll items can affect salary | Unpaid leave, overtime, claims, bonus, allowances or employer-specific payroll settings may change the final amount. |
| Check your payslip | The best way to understand the difference is to compare your offer letter, payslip and bank-in amount line by line. |
Offer letter usually shows gross salary
The amount stated in an offer letter is normally before employee deductions. This means it is not always the amount you receive in your bank account.
Payroll deductions reduce bank-in salary
EPF, SOCSO, EIS and PCB may be deducted before salary payment. These deductions explain most differences between gross salary and take-home pay.
Other payroll items can affect salary
Unpaid leave, overtime, claims, bonus, allowances or employer-specific payroll settings may change the final amount.
Check your payslip
The best way to understand the difference is to compare your offer letter, payslip and bank-in amount line by line.
Planning note
This guide is for salary planning and education only. Always use your payslip, employer payroll details and official sources for final payroll or tax decisions.