first, you go lhdn website download the pcb table ...

then ur monthly salary x 0.89, that 1 is your nett, and you match with the amount in the pcb table ... then you can know roughly how much a month for the tax ... the purpose of monthly deduction is government scare people no money to pay when come april every year ...

actually government tax us base on annual income, not monthly ... last time i ask in lhdn is 27k a year then taxable ... means 2.25k++ a month ... but if someone with 2k a month, he could be taxable as well if he get 3-4 months bonus at the same year ...

once you notice your payslip got pcb deduction, then you should go open an account already ...