Pakistan Salary and Tax Calculator
Use this free Pakistan salary calculator to work out your income tax and take-home pay for the 2025-26 tax year. Enter your gross salary, choose whether it is monthly or annual, and the calculator applies the official FBR salaried-individual slabs to show your annual tax, monthly tax, net pay, and effective tax rate, with a full slab-by-slab breakdown of how the figure is built.
How your tax is built up, slab by slab
| Tax slab | Rate | Income in slab | Tax from slab |
|---|---|---|---|
| Rs 1 to Rs 600,000 | 0% | Rs 600,000 | Rs 0 |
| Rs 600,001 to Rs 1,200,000 | 1% | Rs 600,000 | Rs 6,000 |
| Total annual income tax | Rs 6,000 | ||
This calculator uses the 2025-26 income tax slabs for salaried individuals as set by the FBR Finance Act 2025. It estimates income tax only and does not include surcharges, EOBI contributions, provident fund, or other deductions, so your actual payslip may differ. Tax rules change each budget. Confirm your position with the FBR or a qualified tax adviser. This tool is not tax or financial advice.
Everything you need to estimate your salary tax
Six features that cover Pakistan salary tax without complexity or signups.
Official 2025-26 FBR slabs
Built on the salaried-individual income tax slabs from the Finance Act 2025, effective for the tax year that runs 1 July 2025 to 30 June 2026.
Monthly or annual input
Enter your salary either way. The calculator converts a monthly figure to annual, applies the slabs, and shows results in both.
Slab-by-slab breakdown
A clear table shows how much of your income falls in each slab and the tax it produces, so the final figure is never a mystery.
Take-home and effective rate
See your net pay after tax and your effective tax rate, the single percentage that summarises your true tax burden.
100% private, runs in browser
Your salary stays on your device. Nothing is sent to a server, stored, or shared with anyone.
Mobile-friendly layout
A clean responsive design that works on phones, tablets, and desktops so you can check your pay anywhere.
Who uses a Pakistan salary calculator?
Anyone earning a salary in Pakistan who needs to plan around tax.
Checking your monthly take-home
Enter your gross monthly salary to see exactly how much income tax is deducted and what should land in your account.
Reviewing a job offer
Convert an offer into after-tax pay so you can compare two roles on what you actually keep, not just the headline figure.
Planning a raise or promotion
See how a higher salary moves you into a new slab and what share of the increase goes to tax.
Annual tax estimate
Switch to annual mode to estimate your total income tax for the 2025-26 year before filing.
Budgeting around net income
Use the take-home figure as the real basis for your monthly budget, rent, and savings plan.
Understanding your payslip
Compare the tax line on your payslip against the slab breakdown to see whether the deduction looks right.
About Pakistan salary income tax
A clear guide to the 2025-26 slabs, how progressive tax works, and what your payslip means.
The 2025-26 salaried income tax slabs
Pakistan taxes the income of salaried individuals on a progressive scale set each year in the Finance Act. For the 2025-26 tax year the slabs on annual taxable salary are: up to Rs 600,000 there is no tax; from Rs 600,001 to Rs 1,200,000 the rate is 1 percent on the amount above Rs 600,000; from Rs 1,200,001 to Rs 2,200,000 it is Rs 6,000 plus 11 percent on the amount above Rs 1,200,000; from Rs 2,200,001 to Rs 3,200,000 it is Rs 116,000 plus 23 percent; from Rs 3,200,001 to Rs 4,100,000 it is Rs 346,000 plus 30 percent; and above Rs 4,100,000 it is Rs 616,000 plus 35 percent on the rest.
How progressive tax works
A progressive system does not tax your whole salary at a single rate. Instead, each slice of income is taxed at the rate for the slab it falls into. The first Rs 600,000 is always tax-free, even for a high earner. Only the portion of income above each threshold is taxed at that slab's higher rate. This is why moving into a higher slab never reduces your take-home pay: the higher rate applies only to the new income, not to everything you earn. The slab table in the calculator makes this visible.
Slab reference table
The full 2025-26 salaried slab structure is summarised below for quick reference.
| Annual taxable income | Tax |
|---|---|
| Up to Rs 600,000 | 0 |
| Rs 600,001 to 1,200,000 | 1% of the amount above 600,000 |
| Rs 1,200,001 to 2,200,000 | Rs 6,000 + 11% above 1,200,000 |
| Rs 2,200,001 to 3,200,000 | Rs 116,000 + 23% above 2,200,000 |
| Rs 3,200,001 to 4,100,000 | Rs 346,000 + 30% above 3,200,000 |
| Above Rs 4,100,000 | Rs 616,000 + 35% above 4,100,000 |
Who counts as a salaried individual
These slabs apply to a salaried individual, which the FBR defines as a person whose salary income is more than half of their total taxable income for the year. People whose income comes mainly from business or other sources fall under a different, generally steeper rate schedule. This calculator is built for the salaried case, which covers most employees of companies, schools, hospitals, and government departments.
Gross salary versus take-home pay
Your gross salary is the figure stated in your offer letter or contract before anything is deducted. Take-home pay is what reaches your bank account after income tax and other deductions. The single largest deduction for most salaried people is income tax, which an employer withholds each month and pays to the FBR on your behalf. The calculator subtracts the annual income tax from your gross to estimate your take-home pay, then divides by twelve for a monthly figure.
What the effective tax rate means
The effective tax rate is your total income tax divided by your total gross income, shown as a percentage. It is always lower than the top slab rate that applies to you, because the lower slabs, including the tax-free first Rs 600,000, pull the average down. For example, a person whose top slice is taxed at 23 percent will have an effective rate well below 23 percent. The effective rate is the most honest single number for understanding how much of your salary actually goes to tax.
The Pakistan tax year and filing deadline
Pakistan's tax year for salaried individuals runs from 1 July to 30 June. The 2025-26 tax year therefore covers 1 July 2025 to 30 June 2026. The annual income tax return for that year is normally due by 30 September 2026, although the FBR sometimes extends the date. Filing on time and appearing on the Active Taxpayers List matters in Pakistan, because non-filers face higher withholding tax rates on many everyday transactions.
What this calculator does not include
To keep the result clear, the calculator estimates income tax only. It does not include the surcharge that applies to very high incomes, EOBI contributions, provident fund deductions, group insurance, or any allowances and tax credits you may be entitled to, such as those for investments or donations. Your actual payslip can therefore differ from the estimate. Treat the figure as a close guide for planning, and rely on your employer's payroll or a tax adviser for the exact number.
How to use this calculator
Enter your gross salary and choose whether the figure is monthly or annual. The calculator converts a monthly salary to an annual figure, applies the 2025-26 slabs, and shows your monthly take-home pay, monthly income tax, and effective tax rate, along with the annual gross, annual tax, and annual take-home. Open the slab-by-slab table to see how each portion of your income is taxed. Because every figure updates live and nothing leaves your device, you can test different salaries privately.
Frequently asked questions
If you don't find your question here, ask us directly.
The amount depends on your annual gross salary and which slab it falls in. For 2025-26, salaries up to Rs 600,000 per year are fully exempt. Above that, rates range from 1 percent up to 35 percent on the highest portion. Enter your monthly or annual salary in the calculator above and it will compute the exact annual and monthly tax, your take-home pay, and the effective rate in seconds.
The Finance Act 2025 sets six slabs for salaried persons effective 1 July 2025 to 30 June 2026. Annual income up to Rs 600,000: nil. Rs 600,001 to 1,200,000: 1 percent of the amount above Rs 600,000. Rs 1,200,001 to 2,200,000: Rs 6,000 plus 11 percent above Rs 1,200,000. Rs 2,200,001 to 3,200,000: Rs 116,000 plus 23 percent above Rs 2,200,000. Rs 3,200,001 to 4,100,000: Rs 346,000 plus 30 percent above Rs 3,200,000. Above Rs 4,100,000: Rs 616,000 plus 35 percent of the excess.
Pakistan uses a progressive slab system. Your annual gross salary is compared against the slab table and only the portion of income that falls within each band is taxed at that band's rate. The total tax is the sum of the amounts from every band that applies to you. For example, someone earning Rs 2,000,000 per year pays 1 percent on the Rs 600,000 that sits in the second band and 11 percent on the Rs 800,000 in the third, for a total of Rs 94,000. The calculator does all of this automatically and shows you a slab-by-slab breakdown.
Under the Finance Act 2025, salaried individuals with an annual gross income of Rs 600,000 or less (Rs 50,000 per month) pay zero income tax. This is the basic exemption limit for the tax year running from 1 July 2025 to 30 June 2026. Once your income crosses Rs 600,000, only the amount above that threshold is subject to the 1 percent rate; the first Rs 600,000 remains untaxed.
Gross salary is the total amount your employer agrees to pay you before any deductions. Take-home pay, also called net salary, is what actually arrives in your bank account after income tax and any other statutory deductions have been subtracted. This calculator computes your take-home by deducting the income tax calculated under the 2025-26 slabs. It does not include EOBI contributions, provident fund, health insurance, or any other employer-specific deductions, so your actual take-home may be slightly lower.
No. This tool calculates income tax only, using the official 2025-26 salaried-individual slabs from the FBR Finance Act 2025. It does not include EOBI (Employees Old-Age Benefits Institution) contributions, the Employees Social Security Institution levy, provident fund, group insurance, or any company-specific deductions. Because these vary by employer and salary level, the actual take-home shown by your payslip may differ. Always confirm your exact deductions with your HR department or a tax adviser.
Pakistan's tax year runs from 1 July to 30 June the following calendar year. The year covered by this calculator is Tax Year 2026, which spans 1 July 2025 to 30 June 2026 and is commonly called the 2025-26 tax year. Slabs and rates are set by the Finance Act passed each year and apply to income earned within that 12-month window. The previous year (Tax Year 2025) ran from 1 July 2024 to 30 June 2025 and had different slab limits.
For salaried individuals, the deadline to file your income tax return for Tax Year 2026 (1 July 2025 to 30 June 2026) is 30 September 2026. Filing before the deadline lets you avoid late filing penalties and is required if you wish to appear on the Active Taxpayers List (ATL), which gives you lower withholding tax rates on bank transactions, property purchases, and vehicle registrations. The FBR portal is at iris.fbr.gov.pk.
The effective tax rate is your total annual income tax divided by your annual gross salary, expressed as a percentage. It tells you what fraction of your total income actually goes to tax. Because Pakistan uses a progressive slab system, the effective rate is always lower than the highest slab rate that applies to you. For example, if you earn Rs 2,000,000 and owe Rs 94,000 in tax, your effective rate is 94,000 divided by 2,000,000, which equals 4.7 percent.
Yes, completely free. There is no signup, no account, no subscription, and nothing to download or install. Enter your salary, toggle between monthly and annual input, and the results appear instantly in your browser. The tool runs entirely client-side, so your salary figures are never sent to any server or stored anywhere.
The FBR defines a salaried person as one whose income from salary (wages, perks, allowances, and employer-paid benefits) is 75 percent or more of their total taxable income. This category covers employees in both the public and private sectors, including contractual staff. Freelancers, sole traders, and business owners who draw a mix of salary and business profits are typically assessed under different rules and may face a different rate schedule.
The tax figures are computed using the exact slab amounts and rates published in the Finance Act 2025 for the 2025-26 tax year. For a straightforward salary with no other income sources, the result should match your employer's withholding closely. However, the tool does not account for tax credits (such as the senior citizen rebate), surcharges, EOBI, provident fund, or deductions specific to your employment contract. Always verify with the FBR or a qualified tax consultant for your personal tax position.
Yes. The calculator has a Monthly / Annual toggle directly below the salary input. Select Monthly and the tool multiplies your figure by 12 to derive the annual gross before applying the slabs. Select Annual and your figure is used directly. All outputs, including take-home and tax, are shown in both monthly and annual form regardless of which input mode you choose, so you can see the full picture from either starting point.
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