Salary Calculator Malaysia (Take Home Pay) 2026

Calculate Salary, EPF, SOCSO, EIS and PCB Contributions for FREE.

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What are the components of a salary calculator?

Calculating your take-home pay involves subtracting all statutory deductions from your total earnings. Use this standard formula to verify your payslip.

Net Salary = Gross Salary – Total Deductions
Standard Malaysian payroll calculation logic

Total Deductions typically include contributions to EPF, SOCSO, EIS, and PCB (Monthly Tax Deduction).

Salary Terms Comparison

Quick reference guide to the most common statutory terms found on Malaysian payslips.

Term Description Impact on Net Pay
EPF (KWSP) Employee Provident Fund for retirement savings. Reduces current net pay; increases long-term savings.
SOCSO (PERKESO) Social security protection for workplace injuries. Small deduction for comprehensive insurance coverage.
EIS (SIP) Employment Insurance System for job loss protection. Minimal deduction to provide a safety net during unemployment.
PCB (MTD) Monthly Tax Deduction for income tax payments. Varies based on your specific annual income bracket.

Contribution Tables (2026 Updated)

Quick reference for employer and employee statutory contribution rates in Malaysia.

EPF (KWSP)
SOCSO (PERKESO)
EIS
Salary Range Employee (%) Employer (%)
≤ RM5,000 11% 13%
> RM5,000 11% 12%
Monthly Wages (RM) Employee (RM) Employer (RM) Total (RM)
RM1,000 – RM2,000 4.75 16.65 21.40
RM3,000 – RM4,000 14.75 51.65 66.40
RM5,000 – RM6,000 24.75 86.65 111.40
RM6,000 29.75 104.15 133.90
> RM6,000 30.00 105.00 135.00
Salary Range (RM) Employee (RM) Employer (RM) Total (RM)
Up to 300 0.50 0.50 1.00
2,000 – 2,100 4.10 4.10 8.20
4,000 – 4,100 8.10 8.10 16.20
4,900 – 5,000 9.90 9.90 19.80
> 6,000 11.90 11.90 23.80

Salary Inclusions & Exclusions

A precise breakdown of which salary components are subject to statutory deductions.

1. EPF (KWSP)

✓ Included Items
  • Basic salary
  • Bonuses and incentives
  • Commissions
  • Allowances (unless exempted)
  • Arrears of wages
✕ Excluded Items
  • Service charges
  • Overtime payments
  • Gratuity and retirement benefits
  • Travel allowances

2. SOCSO & EIS

Both SOCSO and EIS follow the same definition of "wages" for contribution purposes.

✓ Included Items
  • Basic salary
  • Overtime payments
  • Commissions and service charges
  • Paid leave payments
  • Fixed or variable allowances
✕ Excluded Items
  • EPF contributions
  • Traveling allowances
  • Gratuity and retirement benefits
  • Annual bonus

PCB (Monthly Tax Deduction) – Exact Amounts

Exact monthly PCB deduction for a single Malaysian citizen with standard RM9,000 individual relief. Use the calculator above for your exact amount.

Monthly Salary PCB Deduction
RM 2,000 RM 6.13
RM 3,000 RM 20.10
RM 5,000 RM 97.00
RM 8,000 RM 410.30
RM 10,000 RM 748.50
RM 15,000 RM 1,850.00

PCB applies to all salary levels including RM2,000 and below. Amount varies based on marital status, number of children, and additional tax reliefs. All figures based on 2026 LHDN rates.

Understanding Your Yearly Income Tax

Monthly Salary RM5,000
Total Yearly RM60,000
Estimated Tax ~RM1,500/yr

Calculation Logic: With a yearly income of RM60,000, you get a standard RM9,000 personal relief. Your taxable income becomes RM51,000, which falls into the 8% bracket.

⚠️
Important Notice
PCB is only an estimate. The actual amount depends on individual tax reliefs, marital status, and total income combinations. Always use our calculator for precision.

Tax Relief & Compliance

Common allowable tax deductions to reduce your taxable income.

EPF Contribution Statutory
SOCSO Contribution Statutory
Lifestyle Relief Up to RM2,500
Medical Expenses Up to RM10,000
Education Fees Up to RM7,000
Insurance / Takaful Up to RM3,000
📅
Submission Deadlines
EPF, SOCSO, and EIS contributions must be submitted on or before the 15th of the following month. Late payments result in stringent penalties (e.g., +10% late payment fines).

How Your Salary is Calculated – RM5,000 Example

Want to understand exactly what gets deducted from your payslip? Here is a real example using a gross monthly salary of RM5,000, calculated using 2026 official government rates. This example applies to a single Malaysian citizen under 55 years old.

What Gets Deducted From You (Employee)

Item Calculation Amount
Gross Monthly Salary — RM 5,000.00
EPF 11% of RM5,000 - RM 550.00
SOCSO Official PERKESO table - RM 7.50
EIS Official PERKESO table - RM 10.00
PCB (Tax) Progressive rate - RM 97.00
Take Home Pay RM 4,335.50

What Your Employer Pays On Top

Item Calculation Amount
EPF Employer 13% of RM5,000 + RM 650.00
SOCSO Employer Official PERKESO table + RM 70.25
EIS Employer Same as employee rate + RM 10.00
Total Cost to Employer RM 5,730.25

Your employer pays an extra RM730.25 on top of your salary every month — this never appears on your payslip but is the real cost of hiring you.

How PCB RM97.00 Was Worked Out

  1. Monthly salary after EPF: RM5,000 − RM550 = RM4,450
  2. Annualise it: RM4,450 × 12 = RM53,400
  3. Deduct individual relief: RM53,400 − RM9,000 = RM44,400 taxable income
  4. Tax on first RM5,000: 0% = RM0
  5. Tax on next RM15,000: 1% = RM150
  6. Tax on next RM15,000: 3% = RM450
  7. Tax on remaining RM9,400: 6% = RM564
  8. Total annual tax: RM1,164 ÷ 12 = RM97.00/month

Minimum Wage Malaysia 2026

Malaysia's minimum wage is RM1,700 per month, effective 1 February 2025 under the Minimum Wages Order 2024. This applies to all private sector employees nationwide including part-time and foreign workers.

Category Current Rate
Monthly RM 1,700.00
Daily (26 working days) RM 65.38
Hourly (8 hours/day) RM 8.17
Effective Date 1 February 2025

Minimum Wage History:

Year Rate Notes
2013RM 900First national minimum wage
2016RM 1,000+11%
2018RM 1,050Unified nationwide
2019RM 1,100+4.8%
2020RM 1,200+9.1%
2022RM 1,500+25%
Feb 2025RM 1,700+13.3%

Take Home Pay at RM1,700:

Item Amount
Gross SalaryRM 1,700.00
EPF (11%)- RM 187.00
SOCSO- RM 8.25
EIS- RM 3.40
PCBRM 0.00
Take Home PayRM 1,501.35

No PCB deduction applies at RM1,700 for a single Malaysian with standard individual relief.

Malaysia Income Tax Rate 2026

Malaysia uses a progressive tax system. Rates range from 0% to 30% for tax residents. Non-residents pay a flat 30% on all income. Your PCB deduction is calculated based on these brackets every month.

Chargeable Income Bracket Rate (%)
First RM5,0000%
RM5,001 – RM20,0001%
RM20,001 – RM35,0003%
RM35,001 – RM50,0006%
RM50,001 – RM70,00011%
RM70,001 – RM100,00019%
RM100,001 – RM400,00025%
RM400,001 – RM600,00026%
RM600,001 – RM2,000,00028%
Above RM2,000,00030%

Monthly PCB Quick Reference:

Monthly Salary Estimated PCB
RM 2,000RM 6.13
RM 3,000RM 20.10
RM 5,000RM 97.00
RM 8,000RM 410.30
RM 10,000RM 748.50
RM 15,000RM 1,850.00

Note: Based on single status, Malaysian resident, RM9,000 individual relief only.

Malaysia Tax Relief 2026 – Complete List

Tax reliefs reduce your chargeable income and lower your PCB deduction. The more reliefs you claim, the less tax you pay each month.

Relief Type Maximum Amount (RM)
Individual ReliefRM 9,000
Spouse Relief (non-working)RM 4,000
Child below 18 (per child)RM 2,000
Child in higher education (per child)RM 8,000
EPF ContributionUp to RM 4,000
Life InsuranceUp to RM 3,000
Medical & DentalUp to RM 10,000
Education Fees (self)Up to RM 7,000
Lifestyle (books, internet, sports)Up to RM 2,500
Electric Vehicle ChargingUp to RM 2,500
SOCSO ContributionUp to RM 350
ZakatActual amount
Breastfeeding EquipmentUp to RM 1,000
Childcare FeesUp to RM 3,000
SSPN Net DepositUp to RM 8,000

Reliefs are claimed when you file your annual income tax return via MyTax e-Filing portal. The more reliefs you claim, the lower your taxable income and monthly PCB deduction.

Frequently Asked Questions

How accurate are these calculations?

All calculations are based on the latest 2026 official rates published by KWSP (EPF), PERKESO (SOCSO and EIS), and LHDN (PCB tax). We follow the exact contribution tables and tax formulas used by these government bodies. Results are estimates — your actual payslip may differ slightly due to additional reliefs, allowances, or employer-specific policies.

Is my salary data saved anywhere?

No. Every calculation runs entirely in your browser. We do not store, collect, or share any information you enter. Your salary details remain completely private.

What should I enter as gross salary?

Gross salary is your base pay plus any fixed monthly allowances such as transport, housing, or meal allowances — before any deductions. Do not include one-off bonuses or overtime unless paid every month. For bonus calculations, use the Bonus/Allowance field provided.

Why is my PCB showing RM0?

PCB only applies once your monthly income after EPF exceeds RM2,851 (single) or RM3,851 (married). If your salary is below these thresholds, no monthly tax is deducted. You may still need to file a tax return with LHDN even if PCB is RM0.

Why does SOCSO stop at RM6,000?

SOCSO and EIS contributions are capped at RM6,000 per month. Anyone earning above RM6,000 pays the same fixed maximum as someone earning exactly RM6,000. The ceiling was raised from RM5,000 to RM6,000 in October 2024.

Does this calculator work for foreigners?

Yes. Select Foreigner under Nationality. Foreign employees contribute EPF at 2% (from 2025 onwards). PCB for non-residents is charged at a flat 30% rate.

How often are the rates updated?

We review and update all rates every January when the new tax year begins. Any mid-year government changes — such as the SOCSO ceiling update in October 2024 — are applied as soon as they take effect.

What is the difference between employee and employer contributions?

Employee contributions are deducted from your gross salary and reduce your take-home pay. Employer contributions are paid separately by your company and do not reduce what you receive — but they represent the true total cost of employing you.

Official Government Salary Calculators

For official verification and precise statutory calculations, visit these government portals:

SOCSO Logo

Official SOCSO Website

Official PERKESO contribution reference portal.

Visit SOCSO LHDN Logo

Official LHDN PCB Calculator

Official LHDN PCB tax calculation tool.

Open PCB Calculator EPF Logo

Official EPF Website

Official EPF contribution & savings portal.

Visit EPF

What is SOCSO (PERKESO)?

SOCSO (Social Security Organization), known as PERKESO, provides essential social security protection to Malaysian employees through comprehensive coverage schemes.

🏥 Work-related injuries
♿ Disability protection
🩺 Medical support
💰 Loss of income coverage

How SOCSO Contribution Works

SOCSO contribution is calculated based on two main variables: your monthly gross salary and your age.

Gross Monthly Salary

SOCSO is structured by contribution bands:

  • ✓ Uses official contribution tables.
  • ✓ Salaries mapped to specific bands.
  • ✓ Ceiling capped at RM6,000.

Age Factor

Your age determines protection scope:

  • ✓ Below 60: Full protection coverage.
  • ✓ 60 & Above: Employment injury only.

Coverage Categories (Act 4)

The Employees’ Social Security Act 1969 provides protection to all Malaysian employees, regardless of religion, nationality, or permanent status.

Category 1

Below 60 Years Old

Full coverage: Employment Injury & Invalidity Schemes. Employer and employee contribute.

Employer
~1.75%
Employee
~0.5%
Category 2

60 Years & Above

Limited coverage: Employment Injury Scheme only. Only employer contributes; Employee pays RM0.

Employer
~1.25%
Employee
0%

The 10 Types of SOCSO Claims in Malaysia

1. Temporary Disablement Benefit (Faedah Hilang Upaya Sementara)

When: Employee temporarily unable to work due to work-related injury or illness
Benefit: Daily cash allowance until recovery
Example: Arm injury during machine operation requiring rest

2. Permanent Disablement Benefit (Faedah Hilang Upaya Kekal)

When: Permanent loss of function due to workplace accident
Benefit: Monthly pension or lump sum based on disability level
Example: Permanent hearing loss from loud machinery

3. Dependants’ Benefit (Faedah Orang Tanggungan)

When: Employee dies due to work-related accident or disease
Benefit: Monthly pension for dependants
Example: Family supported after workplace accident death

4. Funeral Benefit (Faedah Pengurusan Mayat)

When: Death due to work-related causes
Benefit: One-off payment for funeral costs
Example: Financial aid for funeral arrangements

5. Education Benefit (Faedah Pendidikan)

When: Children of eligible employees receive support
Benefit: Covers education fees and expenses
Example: University tuition support for employee’s child

6. Medical Benefit (Faedah Perubatan)

When: Treatment for work-related injuries or diseases
Benefit: Covers hospital, surgery, and medication
Example: Surgery for work-related injury

7. Rehabilitation Benefit (Faedah Pemulihan)

When: Employee needs recovery support after injury
Benefit: Rehab services, training, or prosthetics
Example: Physiotherapy or prosthetic support

8. Constant Attendance Allowance (Elaun Layan Sentiasa)

When: Employee requires constant care due to disability
Benefit: Monthly allowance for caregiver support
Example: Paralysis requiring full-time care

9. Invalidity Pension (Pencen Ilat)

When: Unable to work due to non-work-related illness
Benefit: Monthly pension
Example: Severe illness preventing continued work

10. Invalidity Grant (Geran Ilat)

When: Does not qualify for invalidity pension
Benefit: One-off lump sum
Example: Early financial support due to illness

Payment Schedule & Compliance

📅
Monthly Deadline

Contributions must be paid by the 15th of the following month.

⚠️
Late Payment Penalty

Late interest of 6% per annum applies to overdue payments.

SOCSO & EIS Salary Ceiling Update

Effective 1st October 2024, the monthly salary ceiling for both SOCSO and EIS contributions has increased.

Old
RM5,000
→
New
RM6,000

SOCSO Contribution Table (2026 Updated)

Official contribution rates mapped to salary bands.

No Salary Range Employer Employee Total Employer Only
1 Wages up to RM30 RM0.40 RM0.10 RM0.50 RM0.30
2 Exceed RM30 but not exceed RM50 RM0.70 RM0.20 RM0.90 RM0.50
3 Exceed RM50 but not exceed RM70 RM1.10 RM0.30 RM1.40 RM0.80
4 Exceed RM70 but not exceed RM100 RM1.50 RM0.40 RM1.90 RM1.10
5 Exceed RM100 but not exceed RM140 RM2.10 RM0.60 RM2.70 RM1.50
6 Exceed RM140 but not exceed RM200 RM2.95 RM0.85 RM3.80 RM2.10
7 Exceed RM200 but not exceed RM300 RM4.35 RM1.25 RM5.60 RM3.10
8 Exceed RM300 but not exceed RM400 RM6.15 RM1.75 RM7.90 RM4.40
9 Exceed RM400 but not exceed RM500 RM7.85 RM2.25 RM10.10 RM5.60
10 Exceed RM500 but not exceed RM600 RM9.65 RM2.75 RM12.40 RM6.90
11 Exceed RM600 but not exceed RM700 RM11.35 RM3.25 RM14.60 RM8.10
12 Exceed RM700 but not exceed RM800 RM13.15 RM3.75 RM16.90 RM9.40
13 Exceed RM800 but not exceed RM900 RM14.85 RM4.25 RM19.10 RM10.60
14 Exceed RM900 but not exceed RM1,000 RM16.65 RM4.75 RM21.40 RM11.90
15 Exceed RM1,000 but not exceed RM1,100 RM18.35 RM5.25 RM23.60 RM13.10
16 Exceed RM1,100 but not exceed RM1,200 RM20.15 RM5.75 RM25.90 RM14.40
17 Exceed RM1,200 but not exceed RM1,300 RM21.85 RM6.25 RM28.10 RM15.60
18 Exceed RM1,300 but not exceed RM1,400 RM23.65 RM6.75 RM30.40 RM16.90
19 Exceed RM1,400 but not exceed RM1,500 RM25.35 RM7.25 RM32.60 RM18.10
20 Exceed RM1,500 but not exceed RM1,600 RM27.15 RM7.75 RM34.90 RM19.40
21 Exceed RM1,600 but not exceed RM1,700 RM28.85 RM8.25 RM37.10 RM20.60
22 Exceed RM1,700 but not exceed RM1,800 RM30.65 RM8.75 RM39.40 RM21.90
23 Exceed RM1,800 but not exceed RM1,900 RM32.35 RM9.25 RM41.60 RM23.10
24 Exceed RM1,900 but not exceed RM2,000 RM34.15 RM9.75 RM43.90 RM24.40
25 Exceed RM2,000 but not exceed RM2,100 RM35.85 RM10.25 RM46.10 RM25.60
26 Exceed RM2,100 but not exceed RM2,200 RM37.65 RM10.75 RM48.40 RM26.90
27 Exceed RM2,200 but not exceed RM2,300 RM39.35 RM11.25 RM50.60 RM28.10
28 Exceed RM2,300 but not exceed RM2,400 RM41.15 RM11.75 RM52.90 RM29.40
29 Exceed RM2,400 but not exceed RM2,500 RM42.85 RM12.25 RM55.10 RM30.60
30 Exceed RM2,500 but not exceed RM2,600 RM44.65 RM12.75 RM57.40 RM31.90
31 Exceed RM2,600 but not exceed RM2,700 RM46.35 RM13.25 RM59.60 RM33.10
32 Exceed RM2,700 but not exceed RM2,800 RM48.15 RM13.75 RM61.90 RM34.40
33 Exceed RM2,800 but not exceed RM2,900 RM49.85 RM14.25 RM64.10 RM35.60
34 Exceed RM2,900 but not exceed RM3,000 RM51.65 RM14.75 RM66.40 RM36.90
35 Exceed RM3,000 but not exceed RM3,100 RM53.35 RM15.25 RM68.60 RM38.10
36 Exceed RM3,100 but not exceed RM3,200 RM55.15 RM15.75 RM70.90 RM39.40
37 Exceed RM3,200 but not exceed RM3,300 RM56.85 RM16.25 RM73.10 RM40.60
38 Exceed RM3,300 but not exceed RM3,400 RM58.65 RM16.75 RM75.40 RM41.90
39 Exceed RM3,400 but not exceed RM3,500 RM60.35 RM17.25 RM77.60 RM43.10
40 Exceed RM3,500 but not exceed RM3,600 RM62.15 RM17.75 RM79.90 RM44.40
41 Exceed RM3,600 but not exceed RM3,700 RM63.85 RM18.25 RM82.10 RM45.60
42 Exceed RM3,700 but not exceed RM3,800 RM65.65 RM18.75 RM84.40 RM46.90
43 Exceed RM3,800 but not exceed RM3,900 RM67.35 RM19.25 RM86.60 RM48.10
44 Exceed RM3,900 but not exceed RM4,000 RM69.15 RM19.75 RM88.90 RM49.40
45 Exceed RM4,000 but not exceed RM4,100 RM70.85 RM20.25 RM91.10 RM50.60
46 Exceed RM4,100 but not exceed RM4,200 RM72.65 RM20.75 RM93.40 RM51.90
47 Exceed RM4,200 but not exceed RM4,300 RM74.35 RM21.25 RM95.60 RM53.10
48 Exceed RM4,300 but not exceed RM4,400 RM76.15 RM21.75 RM97.90 RM54.40
49 Exceed RM4,400 but not exceed RM4,500 RM77.85 RM22.25 RM100.10 RM55.60
50 Exceed RM4,500 but not exceed RM4,600 RM79.65 RM22.75 RM102.40 RM56.90
51 Exceed RM4,600 but not exceed RM4,700 RM81.35 RM23.25 RM104.60 RM58.10
52 Exceed RM4,700 but not exceed RM4,800 RM83.15 RM23.75 RM106.90 RM59.40
53 Exceed RM4,800 but not exceed RM4,900 RM84.85 RM24.25 RM109.10 RM60.60
54 Exceed RM4,900 but not exceed RM5,000 RM86.65 RM24.75 RM111.40 RM61.90
55 Exceed RM5,000 but not exceed RM5,100 RM88.35 RM25.25 RM113.60 RM63.10
56 Exceed RM5,100 but not exceed RM5,200 RM90.15 RM25.75 RM115.90 RM64.40
57 Exceed RM5,200 but not exceed RM5,300 RM91.85 RM26.25 RM118.10 RM65.60
58 Exceed RM5,300 but not exceed RM5,400 RM93.65 RM26.75 RM120.40 RM66.90
59 Exceed RM5,400 but not exceed RM5,500 RM95.35 RM27.25 RM122.60 RM68.10
60 Exceed RM5,500 but not exceed RM5,600 RM97.15 RM27.75 RM124.90 RM69.40
61 Exceed RM5,600 but not exceed RM5,700 RM98.85 RM28.25 RM127.10 RM70.60
62 Exceed RM5,700 but not exceed RM5,800 RM100.65 RM28.75 RM129.40 RM71.90
63 Exceed RM5,800 but not exceed RM5,900 RM102.35 RM29.25 RM131.60 RM73.10
64 Exceed RM5,900 but not exceed RM6,000 RM104.15 RM29.75 RM133.90 RM74.40
65 Wages exceed RM6,000 RM104.15 RM29.75 RM133.90 RM74.40

SOCSO Contribution Table 2026 (PERKESO)

SOCSO contributions are based on your monthly salary bracket. The contribution ceiling was updated from RM5,000 to RM6,000 in October 2024. Employees earning above RM6,000 pay the same maximum amount as RM6,000.

Category Details
Malaysian below 60Both schemes (Employee + Employer)
Malaysian above 60Employment Injury only (Employer only)
ForeignerEmployment Injury only (Employer only)
Salary ceilingRM6,000/month (Updated Oct 2024)

Key SOCSO Amounts:

Salary Employee Employer
RM 1,000RM 3.90RM 14.10
RM 2,000RM 9.75RM 35.25
RM 3,000RM 14.75RM 53.25
RM 4,000RM 19.75RM 71.25
RM 5,000RM 24.75RM 86.65
RM 6,000+RM 24.75RM 86.65

Note: For salaries above RM6,000, SOCSO contribution remains at the RM6,000 ceiling amount.

EIS Rates 2026:

Salary Employee Employer
RM 1,000RM 2.00RM 2.00
RM 2,000RM 3.90RM 3.90
RM 3,000RM 5.90RM 5.90
RM 4,000RM 7.90RM 7.90
RM 5,000RM 9.90RM 9.90
RM 6,000+RM 11.90RM 11.90
💳

Payment Methods

  • • FPX online banking
  • • PERKESO ASSIST Portal
  • • Direct Debit Authorisation
  • • Bank portals (Maybank, CIMB)
  • • Over-the-counter payments
💻

ASSIST Portal

  • • Register new employees
  • • Submit monthly contributions
  • • Track payment history
  • • Manage employer records
🎯

Who Should Use This?

  • • HR Managers & Payroll Teams
  • • Business Owners & SMEs
  • • Accounting Professionals
  • • Employees verifying deductions
PERKESO Logo

Official PERKESO Calculator

Use the official PERKESO calculator for the most accurate SOCSO contribution reference.

Go to PERKESO Calculator
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Try Our Other Free Calculators

Free, instant and accurate HR calculation tools for Malaysia.

SOCSO Calculator

Check employee and employer PERKESO & EIS contribution rates.

PCB Calculator

Calculate your monthly tax deduction (MTD) for employees & employers.

EPF Calculator

Calculate Employee 11% and Employer 13% KWSP contribution rates.

Annual Leave Calculator

Calculate accurate pro-rated annual leave entitlement under Employment Act.
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MY INCOME JOURNEY 🚀

Tracking my progress towards a better future

I'm 95% on the way to M40!

Calculate yours at SalaryCalculator.my

B40
Current Group
B40
Up to
RM5,249
M40
RM5,250 -
RM11,819
T20
RM11,820
& above
Next Goal
M40
RM5,250 - RM11,819
Your Progress
95%
RM 250.00 more

MY INCOME
JOURNEY 🚀

Tracking my progress towards
a better future

B40
Current Group
B40
Up to
RM5,249
M40
RM5,250 -
RM11,819
T20
RM11,820
& above
Next Goal
M40
RM5,250 - RM11,819
Your Progress
95%
RM 250.00 more to go

I'm 95% on the way to M40!

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