About TaxMatrix

LAST REVIEWED: OCTOBER 2026

Who runs this site

TaxMatrix is built and maintained by Bishwambhar Sen, an Indian expat working in Malaysia. I am not an accountant or a licensed tax adviser. I am someone who had to work out cross-border payroll and tax rules the hard way.

Why it exists

When I moved to Malaysia I kept running into the same questions. How much of my salary is actually taxable? How do EPF or CPF contributions change my take-home pay? What happens if I contract across two countries? The answers were scattered across government pages, PDFs and forum threads, often in different formats for each country.

I built these calculators and guides to put the main rules for Malaysia, Singapore, Australia, India, Indonesia, Japan and Hong Kong in one place, in plain language, so that other people working across Asia-Pacific do not have to start from scratch.

How the figures are sourced

Rates, brackets, reliefs and contribution limits are taken from the official bodies that set them, and the calculators are checked against those published figures:

Malaysia: Inland Revenue Board (LHDN) for income tax and PCB, and KWSP (EPF) for provident fund contributions
Singapore: Inland Revenue Authority of Singapore (IRAS) for income tax, and the Central Provident Fund (CPF) Board for contributions
Australia: Australian Taxation Office (ATO) for resident tax rates, the Medicare levy and superannuation
India: Income Tax Department of India for slabs, the standard deduction and surcharge rules, and EPFO for provident fund

Tax rules change, usually each budget cycle. I review the figures against the official sources and note the date on this page. Last reviewed: October 2026. If you spot a number that no longer matches an official source, please tell me through the contact page and I will check it.

Limitations

The calculators use simplified models. They do not cover every deduction, relief, treaty position or personal circumstance, and they may not reflect changes made after the last review date. Everything on this site is general information for estimation and planning. It is not tax, legal or accounting advice. For filing or major decisions, check the official tax authority or speak to a qualified professional.

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