The whole family pays the least tax — without doing the sums yourself

How it works

1. Each member fills in their own Tax data once — salary & EA form, PCB, family status, children. That data belongs to that member: the admin only sees the tax, PCB and balance/refund in the optimiser (not income), and members can opt out in More › Privacy & sharing.
2. The group admin (usually a parent) presses "Run optimiser". The server works out each member's tax with that year's LHDN rates, rebates and caps, then tries different receipt allocations until the family's combined tax is lowest.
3. Suggestions are listed: which receipt, from whom, to whom, how much it saves — together with the estimated PCB and refund or balance payable for each person.
4. You review and press Apply. Receipts never move; only the claimant changes, and receipts in a locked or already-filed year are left untouched.

Which reliefs can be allocated?

• Can be allocated between members (by receipt)
  • Child learning-disability interventionRM10,000
  • Serious illness, fertility, vaccination & dentalRM10,000
  • Parents' medical & careRM8,000
  • SSPN net savingsRM8,000
  • First home loan interestRM7,000RM5,000 if the house price exceeds RM500,000
  • Disability support equipmentRM6,000
  • Education & medical insuranceRM4,000
  • Childcare & kindergarten feesRM3,000
  • EV charging & food waste composterRM2,500
  • LifestyleRM2,500
  • Lifestyle — sportsRM1,000
  • Entrance fees to tourist attractions & cultural programmesRM1,000
  • Medical check-up & mental healthRM1,000
• Belongs to that taxpayer only (cannot be moved to the spouse)
  • Life insurance & EPFRM7,000
  • Education fees (self)RM7,000
  • PRS & deferred annuityRM3,000
  • Breastfeeding equipmentRM1,000
  • SOCSO / EIS contributionsRM350
• Follows each taxpayer's family status
  • Individual & dependent relativesRM9,000
  • Disabled individualRM7,000
  • Disabled spouseRM6,000
  • Spouse / alimonyRM4,000
• Children: one parent 100% or 50:50
  • Disabled childRM8,000
  • Child 18+ in higher educationRM8,000
  • Child under 18RM2,000
  • Child 18+ in A-Level or matriculationRM2,000

Caps and type for every relief are read from the YA2026 LHDN table; a new LHDN relief appears here and in the optimiser without an app update.

Every cap, always visible

Every relief category in the Tax tab carries a cap status: Available, Nearing cap (80% and above) or Cap reached — including shared groups such as the lifestyle cap that several categories draw on. You know before you buy whether a receipt still has tax value.

The status is worked out from the receipts already scanned and that year's LHDN caps, so it is correct for previous years too.

Child reliefs: 100% or 50:50

LHDN allows child reliefs to be claimed in full by one parent or split 50:50. The optimiser compares all three options against each spouse's marginal rate and shows the lowest — and warns if both spouses have declared the same children (a double claim).

Estimated PCB & refund — honestly

For each member: tax charged, PCB already deducted by the employer, and whether you are likely to receive a refund or need to pay a balance. All of it is a planning estimate from the numbers you entered — not an official LHDN assessment, and spending more does not necessarily produce a refund.

Privacy within the family

• Calculations run on the server; the group admin sees only each member's tax, PCB and balance — never their income.
• Any member can switch off "Share my tax estimate with the group admin" in Settings; that member is left out entirely and their receipts are never reallocated.
• Form B members (business income) are excluded — business is handled in the Side Income module.
• Nothing is filed on your behalf; you submit yourself on MyTax.

Plans for you & your group

Pricing: one price for you or your whole group →