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 estimate (13%)—
+ SOCSO employer estimate (1.75%, cap approx. RM105/pax)—
+ EIS employer estimate (0.2%, cap approx. RM12/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 are estimated at 13% for employees earning ≤RM5,000/month and 12% for those earning above; exact payroll should use KWSP's statutory contribution schedule where applicable. SOCSO employer contribution is estimated at 1.75% of insurable wages, capped at an assumed RM6,000/month per employee. EIS employer contribution is estimated at 0.2% of insurable wages, capped at an assumed RM6,000/month per employee. SST uses an 8% service tax planning assumption for tax-exclusive revenue; some taxable services use 6% or fixed treatment, and SST filing is bi-monthly. Projections assume constant revenue and expenses, and payment terms are modelled as simple monthly timing lags without opening receivables or payables. Engage a licensed tax agent or accountant before making financial decisions.