{"id":21271,"date":"2019-03-04T10:18:13","date_gmt":"2019-03-04T02:18:13","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=21271"},"modified":"2019-03-04T15:17:56","modified_gmt":"2019-03-04T07:17:56","slug":"does-cutting-income-tax-rates-help-malaysians-cope-with-the-rising-cost","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/does-cutting-income-tax-rates-help-malaysians-cope-with-the-rising-cost","title":{"rendered":"Does Cutting Income Tax Rates Help Malaysians Cope With The Rising Cost?"},"content":{"rendered":"

Are you expecting a big tax refund this year? You might be a little disappointed, as there are only three income brackets that see a slight reduction in tax rate for the Year of Assessment 2018 (tax you file in 2019). <\/span><\/p>\n

Gone are the days when the government reduces the personal income tax rates significantly to help Malaysians deal with the Goods and Services Tax (GST). The replacement of the GST with the Sales and Services Tax (SST) is expected to result in a reduction of 48%<\/a> in tax collection, despite both taxes set at the same rate of 6%. <\/span><\/p>\n

There really is no room left for a major reduction in personal income tax, with the national debt at RM1 trillion, the government could use every sen they can get.<\/p>\n

The estimated revenue for the country for 2018 showed that personal income tax was recorded at RM34.80 billion, and expected to only increase slightly in 2019 to RM34.95 billion.<\/p>\n

<\/span>Does cutting income tax help Malaysians?<\/strong><\/span><\/h2>\n

Does cutting income tax rates really help with the rising inflation? How does it make a difference to the country, the economy, and of course, to our wallets?<\/p>\n

The short answer is yes, indirectly.<\/p>\n

First, let\u2019s see your estimated savings with the reduction in income tax rates if your annual income is RM54,000. Here\u2019s an easy income tax calculation:<\/p>\n

\"income<\/a><\/p>\n

Find out how much you can save with the tax cut this year\u00a0<\/b>using our Income Tax Calculator<\/a>.<\/p>\n

This means you have an additional RM381.20 in discretionary income, and theoretically, a higher discretionary income means higher consumer spending \u2013 which boosts the domestic economy. However, due to the sluggish consumer sentiment, consumers may continue to cut spending, and save the additional disposable income, or use it to offset the additional cost of living.<\/p>\n

The reduction was announced under the 2018 Budget by the former Barisan Nasional government. The reduction means Malaysians with taxable income within the RM20,000 to RM70,000 band will see a 2% reduction in their personal income tax rate.<\/p>\n

The rate for those who are earning between RM20,001 and RM35,000 will be reduced from 5% to 3%, while those who with taxable income between RM35,001 and RM50,000, will see their rate reduced to 8% from 10%. Lastly, those who are earning between RM50,001 and RM70,000 annually will see the rate lowered from 16% to 14%.<\/p>\n

It was previously reported that more than 261,000 people will no longer need to pay income tax.<\/p>\n

In this sense, tax rate cuts may encourage individuals to work, save, and invest. This may indirectly boost productivity as individuals may be more motivated as their pay is more attractive now with lower tax rates. However, for the upper-middle-income group, the savings is not massive, but every sen of savings count now. Depending on how they put the money they saved, it may make it easier for them to reach their target income and also their financial goals.
\nThere is much debate about the extent to which tax cuts increase productivity and economic growth. To be honest, a boost in productivity and growth would probably be prominent if there is a significant cut in rates.<\/p>\n

<\/span>A progressive income tax system<\/strong><\/span><\/h2>\n

Our income tax system has continually been improved. Since 2015, we can make our income tax payment using a credit card. This will help us manage our payments easily, plus with the right credit card, you can make additional savings via cashback!
\nHowever, many economists believe the abolishment of the GST and the reinstatement of the SST, is a step back from a progressive tax system. Tinkering with the individual income tax rates or reliefs would not make a huge impact on the larger population, because only 15% of the labour force in the country pay income tax in 2017.<\/p>\n

Here\u2019s the difference in rates between Year of Assessment 2017 (filed in 2018) and Year of Assessment 2018 (to be filed in 2019):<\/p>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Chargeable Income
\n(RM)<\/center><\/th>
Calculations
\n(RM)<\/center><\/th>
YA2017 Rate
\n(%)
\n<\/center><\/th>
YA2018 Rate
\n(%)<\/center><\/th>\n<\/tr>\n<\/thead>\n
0 \u2013 5,000<\/center><\/td>
On the First 5,000<\/center><\/td>
0<\/center><\/td>
0<\/center><\/td>\n<\/tr>\n
5,001 - 10,000<\/center><\/td>
On the First 5,000
\nNext 5,000<\/center><\/td>
1<\/center><\/td>
1<\/center><\/td>\n<\/tr>\n
10,001 - 20,000<\/center><\/td>
On the First 10,000
\nNext 10,000<\/center><\/td>
1<\/center><\/td>
1<\/center><\/td>\n<\/tr>\n
20,001 - 35,000<\/center><\/td>
On the First 20,000
\nNext 15,000<\/center><\/td>
5<\/center><\/td>
3<\/center><\/b><\/font><\/td>\n<\/tr>\n
35,001 - 50,000<\/center><\/td>
On the First 35,000
\nNext 15,000<\/center><\/td>
10<\/center><\/td>
8<\/center><\/b><\/font><\/td>\n<\/tr>\n
50,001 - 70,000<\/center><\/td>
On the First 50,000
\nNext 20,000<\/center><\/td>
16<\/center><\/td>
14<\/center><\/b><\/font><\/td>\n<\/tr>\n
70,001 - 100,000<\/center><\/td>
On the First 70,000
\nNext 30,000<\/center><\/td>
21<\/center><\/td>
21<\/center><\/td>\n<\/tr>\n
100,001 - 150,000<\/center><\/td>
On the First 100,000
\nNext 50,000<\/center><\/td>
24<\/center><\/td>
24<\/center><\/td>\n<\/tr>\n
150,001 - 250,000<\/center><\/td>
On the First 150,000
\nNext 100,000<\/center><\/td>
24<\/center><\/td>
24<\/center><\/td>\n<\/tr>\n
250,001 - 400,000<\/center><\/td>
On the First 250,000
\nNext 150,000<\/center><\/td>
24.5<\/center><\/td>
24.5<\/center><\/td>\n<\/tr>\n
400,001 - 600,000<\/center><\/td>
On the First 400,000
\nNext RM200,000<\/center><\/td>
25<\/center><\/td>
25<\/center><\/td>\n<\/tr>\n
600,001 - 1,000,000<\/center><\/td>
On the First 600,000
\nNext 400,000<\/center><\/td>
26<\/center><\/td>
26<\/center><\/td>\n<\/tr>\n
Exceeding 1,000,000<\/center><\/td>
From 1,000,000<\/center><\/td>
28<\/center><\/td>
28<\/center><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nComparing personal income tax rates for Assessment Year 2014 and 2015<\/i><\/span>\n\n

<\/span>A much-needed savings<\/strong><\/span><\/h2>\n

With the continuous rising of the cost of living, we need every Ringgit ringgit saved. However, will the tax savings make an impact on our bottom line \u2013 especially as we cope with higher inflation and the 6% GST?<\/p>\n

Not necessarily. With income tax rates reduction, the more you earn the more you will save.<\/p>\n

 <\/p>\n

\"income<\/a><\/p>\n

In terms of savings amount, the more you earn, the higher your savings amount will be. In the example above, with an annual income of RM150,000, your tax savings will be RM1,000, while annual income of RM54,000 will only be saving RM381.20 in tax.<\/p>\n

However, if we look at it in percentage, RM292 savings amount to 25.35% of savings, while RM2,534 is only 11.82% in savings.<\/p>\n

Though the amount saved is still greater for the higher income group, perhaps the impact will be felt more for the middle-income earners due to the higher percentage of savings.<\/p>\n

Any tax cut is better for the taxpayers, but it will not help the lower-income group to cope with the rising cost of living, as most of them are not taxed on their income in the first place.<\/p>\n

Want to find out how much savings you will make with the new tax rates? Use the Malaysia income tax calculator and plan for your income tax filing in advance!<\/p>\n

\"income<\/a><\/p>\n

 <\/p>\n

Image from Taxfix<\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"

This year we see another income tax rates cut, but how much of an impact does it make to our finances? Read on to find out! <\/p>\n","protected":false},"author":9,"featured_media":21279,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[254,215],"tags":[303],"class_list":["post-21271","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-income","category-tax","tag-income-tax"],"acf":[],"yoast_head":"\nHow Much Can Malaysians Save On Income Tax In 2019?<\/title>\n<meta name=\"description\" content=\"This year we see another income tax rates cut, but how much of an impact does it make to our finances? 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