Income Tax
Source: https://coachadib.com/module/6ac04061ef88b1e0248d4f16
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[00:00:00.430 – 00:00:26.430] Income RM10,000 ni kena bayar tax. RM10,000 darab dengan 12 bulan dah berapa? RM120,000. Time ni hati-hati. LHDN menanti. Jadi kita kena tahu tinggi gaji, tinggi tanggungjawab. Cantik pula ayat tu eh. Berapakah, apakah tanggungjawab kita? Kita kena kira cukai ni melalui beberapa langkah. Contohnya kita kira income kita darab dengan 12.

[00:00:27.290 – 00:00:29.930] Kalau ada income-income lain pun kena tambah sekali lah

[00:00:29.930 – 00:00:32.450] Assume kita hanya ada satu company, satu income sahaja

[00:00:32.450 – 00:00:35.430] Lepas tu tolak lah pelepasan-pelepasan yang kita dapat

[00:00:35.430 – 00:00:36.830] Dia adalah kiraan-kiraan dia

[00:00:36.830 – 00:00:38.970] And then kita akan gunakan tax bracket

[00:00:38.970 – 00:00:42.930] Setiap income dia ada amount yang berbeza

[00:00:42.930 – 00:00:45.070] Ni contohnya lah saya ambil

[00:00:45.070 – 00:00:48.430] Gaji dia adalah RM5,000 sebulan

[00:00:48.430 – 00:00:50.810] Jadi setahun adalah RM60,000

[00:00:50.810 – 00:00:52.230] Yang ni pula situasi B

[00:00:52.230 – 00:00:54.510] Gaji dia dalam RM120,000

[00:00:54.510 – 00:00:56.790] Jadi, dalam setahun, dalam sekitar

[00:00:56.790 – 00:00:58.350] Eh, RM10,000 darat kan?

[00:00:58.510 – 00:00:59.110] RM120,000

[00:00:59.110 – 00:01:01.470] Jadi, dia panggil relief

[00:01:01.470 – 00:01:02.370] Tax relief

[00:01:02.370 – 00:01:03.330] Sebab bayar KVSP

[00:01:03.330 – 00:01:04.910] RM13,000, RM13,000

[00:01:04.910 – 00:01:05.890] Dia dah shilling dah tu

[00:01:05.890 – 00:01:07.950] Lepas tu, pendapatan bercukai

[00:01:07.950 – 00:01:09.210] Yang kena tax

[00:01:09.930 – 00:01:11.190] RM60,000 tolak dengan

[00:01:11.190 – 00:01:14.310] Kita punya benda-benda yang kita boleh didak

[00:01:14.310 – 00:01:15.410] Contoh RM13,000

[00:01:15.410 – 00:01:17.350] RM47,000 lah yang kena carung

[00:01:17.350 – 00:01:18.570] Dalam kes ni pula

[00:01:18.570 – 00:01:20.770] Sebab kita boleh didak RM13,000 je

[00:01:20.770 – 00:01:21.950] Sama juga, dah shilling dah tu

[00:01:21.950 – 00:01:24.010] Dah tolak individual punya relief

[00:01:24.010 – 00:01:27.290] Maksudnya dia adalah untuk pembelian gadget

[00:01:27.290 – 00:01:29.610] Tolak, ni tolak sebab tu kena simpan risip

[00:01:29.610 – 00:01:31.310] So buat penolakan-penolakan tu

[00:01:31.310 – 00:01:32.670] Shilling dia 13,000

[00:01:32.670 – 00:01:33.590] So 100,000

[00:01:33.590 – 00:01:35.230] Jadi anggaran cukai

[00:01:35.230 – 00:01:38.430] Sebab cukai ni biasanya dia ada bracket-bracket dia

[00:01:38.430 – 00:01:40.030] Income bracket boleh search sendiri

[00:01:40.030 – 00:01:42.790] Income bracket ni dalam 1,200

[00:01:42.790 – 00:01:45.730] Yang ni dalam 11,000

[00:01:45.730 – 00:01:48.630] Jadi kita akan ambil PCB

[00:01:48.630 – 00:01:50.710] Pembayaran cukai bulanan

[00:01:50.710 – 00:01:52.470] Kita akan bahagikan dengan 12

[00:01:52.470 – 00:01:54.310] maksudnya setiap bulan company kena

[00:01:54.310 – 00:01:56.030] bayar terus dekat LHDN

[00:01:56.030 – 00:01:56.610] caruman

[00:01:58.690 – 00:01:59.970] cukai RM110

[00:01:59.970 – 00:02:02.130] so selamat, yang ni pula kena bayar dekat RM1000

[00:02:02.130 – 00:02:04.270] ok, yang ni

[00:02:04.270 – 00:02:05.770] ya, eh eh, yang ni

[00:02:05.770 – 00:02:08.250] tax release, contohnya gaji ni

[00:02:08.250 – 00:02:10.030] ni, relief individu

[00:02:10.030 – 00:02:12.050] RM9000 sahaja, TT

[00:02:12.050 – 00:02:13.870] untuk RM2025

[00:02:13.870 – 00:02:15.670] contohnya yang ni

[00:02:15.670 – 00:02:17.910] RM1006, yang ni dia ada

[00:02:18.690 – 00:02:19.910] pembebasan sebanyak

[00:02:19.910 – 00:02:22.150] RM12000, so tambah

[00:02:22.150 – 00:02:23.610] RM4,000 ke WSP

[00:02:23.610 – 00:02:24.670] tambah-tambah-tambah

[00:02:24.670 – 00:02:26.550] jadi beza cukai setahun

[00:02:26.550 – 00:02:27.310] dalam sekitar

[00:02:27.310 – 00:02:28.530] RM1,000 jugalah

[00:02:28.530 – 00:02:29.390] ok

[00:02:29.390 – 00:02:30.750] jadi takpelah benda ni

[00:02:30.750 – 00:02:31.390] kalau tak faham

[00:02:31.390 – 00:02:32.150] tanya je lah AI

[00:02:32.150 – 00:02:33.170] tanya lah cek GPT

[00:02:33.170 – 00:02:34.990] tapi yang penting

[00:02:34.990 – 00:02:36.470] setiap gaji ni

[00:02:36.470 – 00:02:38.430] dia ada perbezaan kiraan dia

[00:02:38.430 – 00:02:39.230] kalau katalah

[00:02:39.230 – 00:02:40.190] saya nak buka kat sini

[00:02:40.190 – 00:02:42.590] tax individu

[00:02:42.590 – 00:02:43.070] ok

[00:02:43.070 – 00:02:44.130] kita pergi kat image

[00:02:44.130 – 00:02:46.250] dia ada amount-amount ni

[00:02:46.250 – 00:02:47.070] nampak tak kat sini

[00:02:47.070 – 00:02:48.070] ok

[00:02:48.070 – 00:02:49.310] ni contohlah saya ambil

[00:02:49.310 – 00:02:51.310] kalau gaji

[00:02:54.430 – 00:02:56.290] gaji yang ni. Dia ada amount

[00:02:56.290 – 00:02:57.970] berapa persen. Contoh

[00:02:57.970 – 00:03:00.110] daripada RM20,000 ke RM30,000

[00:03:00.110 – 00:03:02.090] dia akan charge banyak ni.

[00:03:02.330 – 00:03:04.070] Tax kosong. Kalau gaji

[00:03:04.070 – 00:03:06.150] RM20,000 ke RM30,000 ni setahun eh.

[00:03:06.970 – 00:03:08.290] Dia akan charge banyak ni.

[00:03:08.810 – 00:03:10.010] Kalau gaji tahunan kita

[00:03:10.010 – 00:03:12.450] dalam rate ni, dia akan charge 21%.

[00:03:12.450 – 00:03:13.970] Nampak? Banyak ni pula setahun.

[00:03:14.230 – 00:03:15.490] So dia ada bracket-bracket dia lah.

[00:03:15.850 – 00:03:17.090] Bracket gaji tahunan.

[00:03:17.770 – 00:03:20.250] Cuma saya tak berapa nak mahir sangat gaji tax ni.

[00:03:20.250 – 00:03:21.930] Boleh baca sendiri lah

[00:03:21.930 – 00:03:22.350] Saya tengok

[00:03:22.350 – 00:03:23.610] Yang ni jelas lah

[00:03:24.230 – 00:03:25.170] Chargable income

[00:03:25.170 – 00:03:26.370] Income yang boleh di charge

[00:03:26.370 – 00:03:27.570] Kosong hingga RM5,000

[00:03:27.570 – 00:03:28.430] Sama je lah

[00:03:28.430 – 00:03:29.090] Senang cerita

[00:03:29.090 – 00:03:30.530] Tanya AI

[00:03:30.530 – 00:03:31.950] Berapa tax yang kena bayar

[00:03:31.950 – 00:03:32.770] Cuma

[00:03:32.770 – 00:03:33.930] Benda ni

[00:03:35.890 – 00:03:36.790] Benda ni

[00:03:36.790 – 00:03:37.330] Eh ni 2011

[00:03:38.010 – 00:03:39.150] Carilah sendiri eh

[00:03:39.150 – 00:03:40.610] Benda ni memang

[00:03:40.610 – 00:03:41.510] Menakutkan

[00:03:41.510 – 00:03:42.530] Kalau anda tak buat

[00:03:42.530 – 00:03:43.310] Pembayaran bulanan

[00:03:43.310 – 00:03:44.870] Sebab tu dalam slide yang seterusnya

[00:03:44.870 – 00:03:45.830] Saya akan tunjukkan

[00:03:45.830 – 00:03:47.610] Kenapa setiap business owner

[00:03:47.610 – 00:03:49.310] Kena buat PCB

[00:03:49.310 – 00:03:52.030] B. Pembayaran cukai bulanan

[00:03:52.030 – 00:03:53.610] Kalau hidup, mampus

[00:03:53.610 – 00:03:56.130] Mampus sebab apa? Sebab kita tak bijak

[00:03:56.130 – 00:03:57.930] Finance ni kalau tak belajar dia jadi

[00:03:57.930 – 00:04:00.250] Financial, dia jadi sial kepada awak

[00:04:00.250 – 00:04:00.970] Sebagai business owner

[00:04:00.970 – 00:04:03.190] So sebelum dia menjadi sial kepada kita

[00:04:03.190 – 00:04:06.190] Sebab kita akan dibelenggu dengan masalah finance

[00:04:06.190 – 00:04:07.850] Belajar urus finance dulu

[00:04:07.850 – 00:04:10.450] Sebelum terceduk, ok? Kita jumpa dalam video yang seterusnya