Income Tax
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[00:00:00–00:00:26] 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. [semak: uncertain words, number or amount]

[00:00:27–00:00:29] Kalau ada income-income lain pun kena tambah sekali lah

[00:00:29–00:00:32] Assume kita hanya ada satu company, satu income sahaja

[00:00:32–00:00:35] Lepas tu tolak lah pelepasan-pelepasan yang kita dapat

[00:00:35–00:00:36] Dia adalah kiraan-kiraan dia

[00:00:36–00:00:38] And then kita akan gunakan tax bracket

[00:00:38–00:00:42] Setiap income dia ada amount yang berbeza

[00:00:42–00:00:45] Ni contohnya lah saya ambil [semak: uncertain words]

[00:00:45–00:00:48] Gaji dia adalah RM5,000 sebulan [semak: number or amount]

[00:00:48–00:00:50] Jadi setahun adalah RM60,000 [semak: number or amount]

[00:00:50–00:00:52] Yang ni pula situasi B

[00:00:52–00:00:54] Gaji dia dalam RM120,000 [semak: number or amount]

[00:00:54–00:00:56] Jadi, dalam setahun, dalam sekitar

[00:00:56–00:00:58] Eh, RM10,000 darat kan? [semak: uncertain words, number or amount]

[00:00:58–00:00:59] RM120,000 [semak: number or amount]

[00:00:59–00:01:01] Jadi, dia panggil relief

[00:01:01–00:01:02] Tax relief [semak: uncertain words]

[00:01:02–00:01:03] Sebab bayar KVSP [semak: uncertain words]

[00:01:03–00:01:04] RM13,000, RM13,000 [semak: number or amount]

[00:01:04–00:01:05] Dia dah shilling dah tu [semak: uncertain words]

[00:01:05–00:01:07] Lepas tu, pendapatan bercukai

[00:01:07–00:01:09] Yang kena tax

[00:01:09–00:01:11] RM60,000 tolak dengan [semak: number or amount]

[00:01:11–00:01:14] Kita punya benda-benda yang kita boleh didak

[00:01:14–00:01:15] Contoh RM13,000 [semak: number or amount]

[00:01:15–00:01:17] RM47,000 lah yang kena carung [semak: number or amount]

[00:01:17–00:01:18] Dalam kes ni pula

[00:01:18–00:01:20] Sebab kita boleh didak RM13,000 je [semak: number or amount]

[00:01:20–00:01:21] Sama juga, dah shilling dah tu

[00:01:21–00:01:24] Dah tolak individual punya relief

[00:01:24–00:01:27] Maksudnya dia adalah untuk pembelian gadget [semak: uncertain words]

[00:01:27–00:01:29] Tolak, ni tolak sebab tu kena simpan risip [semak: uncertain words]

[00:01:29–00:01:31] So buat penolakan-penolakan tu

[00:01:31–00:01:32] Shilling dia 13,000 [semak: uncertain words, number or amount]

[00:01:32–00:01:33] So 100,000 [semak: uncertain words, number or amount]

[00:01:33–00:01:35] Jadi anggaran cukai

[00:01:35–00:01:38] Sebab cukai ni biasanya dia ada bracket-bracket dia [semak: uncertain words]

[00:01:38–00:01:40] Income bracket boleh search sendiri

[00:01:40–00:01:42] Income bracket ni dalam 1,200 [semak: uncertain words, number or amount]

[00:01:42–00:01:45] Yang ni dalam 11,000 [semak: number or amount]

[00:01:45–00:01:48] Jadi kita akan ambil PCB

[00:01:48–00:01:50] Pembayaran cukai bulanan

[00:01:50–00:01:52] Kita akan bahagikan dengan 12 [semak: number or amount]

[00:01:52–00:01:54] maksudnya setiap bulan company kena

[00:01:54–00:01:56] bayar terus dekat LHDN

[00:01:56–00:01:56] caruman

[00:01:58–00:01:59] cukai RM110 [semak: number or amount]

[00:01:59–00:02:02] so selamat, yang ni pula kena bayar dekat RM1000 [semak: uncertain words, number or amount]

[00:02:02–00:02:04] ok, yang ni [semak: uncertain words]

[00:02:04–00:02:05] ya, eh eh, yang ni [semak: uncertain words]

[00:02:05–00:02:08] tax release, contohnya gaji ni [semak: uncertain words]

[00:02:08–00:02:10] ni, relief individu [semak: uncertain words]

[00:02:10–00:02:12] RM9000 sahaja, TT [semak: number or amount]

[00:02:12–00:02:13] untuk RM2025 [semak: number or amount]

[00:02:13–00:02:15] contohnya yang ni

[00:02:15–00:02:17] RM1006, yang ni dia ada [semak: number or amount]

[00:02:18–00:02:19] pembebasan sebanyak

[00:02:19–00:02:22] RM12000, so tambah [semak: number or amount]

[00:02:22–00:02:23] RM4,000 ke WSP [semak: uncertain words, number or amount]

[00:02:23–00:02:24] tambah-tambah-tambah

[00:02:24–00:02:26] jadi beza cukai setahun [semak: uncertain words]

[00:02:26–00:02:27] dalam sekitar

[00:02:27–00:02:28] RM1,000 jugalah [semak: number or amount]

[00:02:28–00:02:29] ok [semak: uncertain words]

[00:02:29–00:02:30] jadi takpelah benda ni [semak: uncertain words]

[00:02:30–00:02:31] kalau tak faham

[00:02:31–00:02:32] tanya je lah AI

[00:02:32–00:02:33] tanya lah cek GPT [semak: uncertain words]

[00:02:33–00:02:34] tapi yang penting [semak: uncertain words]

[00:02:34–00:02:36] setiap gaji ni

[00:02:36–00:02:38] dia ada perbezaan kiraan dia

[00:02:38–00:02:39] kalau katalah

[00:02:39–00:02:40] saya nak buka kat sini

[00:02:40–00:02:42] tax individu [semak: uncertain words]

[00:02:42–00:02:43] ok

[00:02:43–00:02:44] kita pergi kat image

[00:02:44–00:02:46] dia ada amount-amount ni

[00:02:46–00:02:47] nampak tak kat sini

[00:02:47–00:02:48] ok

[00:02:48–00:02:49] ni contohlah saya ambil

[00:02:49–00:02:51] kalau gaji

[00:02:54–00:02:56] gaji yang ni. Dia ada amount

[00:02:56–00:02:57] berapa persen. Contoh

[00:02:57–00:03:00] daripada RM20,000 ke RM30,000 [semak: number or amount]

[00:03:00–00:03:02] dia akan charge banyak ni. [semak: uncertain words]

[00:03:02–00:03:04] Tax kosong. Kalau gaji [semak: uncertain words]

[00:03:04–00:03:06] RM20,000 ke RM30,000 ni setahun eh. [semak: number or amount]

[00:03:06–00:03:08] Dia akan charge banyak ni.

[00:03:08–00:03:10] Kalau gaji tahunan kita

[00:03:10–00:03:12] dalam rate ni, dia akan charge 21%. [semak: number or amount]

[00:03:12–00:03:13] Nampak? Banyak ni pula setahun.

[00:03:14–00:03:15] So dia ada bracket-bracket dia lah.

[00:03:15–00:03:17] Bracket gaji tahunan.

[00:03:17–00:03:20] Cuma saya tak berapa nak mahir sangat gaji tax ni.

[00:03:20–00:03:21] Boleh baca sendiri lah

[00:03:21–00:03:22] Saya tengok [semak: uncertain words]

[00:03:22–00:03:23] Yang ni jelas lah

[00:03:24–00:03:25] Chargable income

[00:03:25–00:03:26] Income yang boleh di charge

[00:03:26–00:03:27] Kosong hingga RM5,000 [semak: number or amount]

[00:03:27–00:03:28] Sama je lah

[00:03:28–00:03:29] Senang cerita [semak: uncertain words]

[00:03:29–00:03:30] Tanya AI

[00:03:30–00:03:31] Berapa tax yang kena bayar

[00:03:31–00:03:32] Cuma

[00:03:32–00:03:33] Benda ni

[00:03:35–00:03:36] Benda ni

[00:03:36–00:03:37] Eh ni 2011 [semak: number or amount]

[00:03:38–00:03:39] Carilah sendiri eh [semak: uncertain words]

[00:03:39–00:03:40] Benda ni memang

[00:03:40–00:03:41] Menakutkan

[00:03:41–00:03:42] Kalau anda tak buat

[00:03:42–00:03:43] Pembayaran bulanan

[00:03:43–00:03:44] Sebab tu dalam slide yang seterusnya

[00:03:44–00:03:45] Saya akan tunjukkan

[00:03:45–00:03:47] Kenapa setiap business owner [semak: uncertain words]

[00:03:47–00:03:49] Kena buat PCB

[00:03:49–00:03:52] B. Pembayaran cukai bulanan

[00:03:52–00:03:53] Kalau hidup, mampus [semak: uncertain words]

[00:03:53–00:03:56] Mampus sebab apa? Sebab kita tak bijak

[00:03:56–00:03:57] Finance ni kalau tak belajar dia jadi [semak: uncertain words]

[00:03:57–00:04:00] Financial, dia jadi sial kepada awak [semak: uncertain words]

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

[00:04:00–00:04:03] So sebelum dia menjadi sial kepada kita

[00:04:03–00:04:06] Sebab kita akan dibelenggu dengan masalah finance [semak: uncertain words]

[00:04:06–00:04:07] Belajar urus finance dulu

[00:04:07–00:04:10] Sebelum terceduk, ok? Kita jumpa dalam video yang seterusnya [semak: uncertain words]