Salary of Rs 150,000 a month
Yearly income: Rs 150,000 × 12 = Rs 1,800,000
- First Rs 600,000 → Rs 0
- Next Rs 600,000 at 1% → Rs 6,000
- Remaining Rs 600,000 at 11% → Rs 66,000
Tax: Rs 72,000 a year, or Rs 6,000 a month. Take-home: Rs 144,000 a month.
Salary Tax Calculator Pakistan 2026-27
Use this free salary tax calculator to see exactly how much tax comes out of your pay. Enter your monthly or annual salary, and our income tax calculator shows your tax, your take-home pay and the FBR slab you fall in, using the latest rates from Finance Act 2026.
Enter your salary to see your tax
Monthly Tax
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Monthly Take-Home
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Yearly Tax
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Yearly Take-Home
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Effective rate — · Your slab: —
● Take-home —● Tax —
Reviewed by: [Name], [Qualification] · Last updated: 27 October 2026
How Our Salary Tax Calculator Works
Choose your income type
Pick Salaried if most of your income is salary, or Business / Freelancer for non-salaried income.
Enter your salary
Choose Monthly or Yearly, then type your gross salary or tap one of the quick amounts.
Add a bonus (optional)
If you expect an annual bonus, enter it so its tax is included in the total.
See your results
The calculator instantly shows your monthly and yearly tax, your take-home pay, your effective tax rate and your FBR slab.
FBR Salary Tax Slabs 2026-27
These slabs apply to salaried people for Tax Year 2027 (1 July 2026 – 30 June 2027). There is no surcharge on salary income.
| Annual taxable income | Tax |
|---|---|
| Up to Rs 600,000 | No tax |
| Rs 600,001 – Rs 1,200,000 | 1% of amount over Rs 600,000 |
| Rs 1,200,001 – Rs 2,200,000 | Rs 6,000 + 11% of amount over Rs 1,200,000 |
| Rs 2,200,001 – Rs 3,200,000 | Rs 116,000 + 20% of amount over Rs 2,200,000 |
| Rs 3,200,001 – Rs 4,100,000 | Rs 316,000 + 25% of amount over Rs 3,200,000 |
| Rs 4,100,001 – Rs 5,600,000 | Rs 541,000 + 29% of amount over Rs 4,100,000 |
| Rs 5,600,001 – Rs 7,000,000 | Rs 976,000 + 32% of amount over Rs 5,600,000 |
| Above Rs 7,000,000 | Rs 1,424,000 + 35% of amount over Rs 7,000,000 |
Tax Slabs for Business Owners & Freelancers
Non-salaried individuals, business owners, freelancers and AOPs use this table. If taxable income is above Rs 10,000,000, a surcharge of 9% of the tax payable is added.
| Annual taxable income | Tax |
|---|---|
| Up to Rs 600,000 | No tax |
| Rs 600,001 – Rs 1,200,000 | 15% of amount over Rs 600,000 |
| Rs 1,200,001 – Rs 1,600,000 | Rs 90,000 + 20% of amount over Rs 1,200,000 |
| Rs 1,600,001 – Rs 3,200,000 | Rs 170,000 + 30% of amount over Rs 1,600,000 |
| Rs 3,200,001 – Rs 5,600,000 | Rs 650,000 + 40% of amount over Rs 3,200,000 |
| Above Rs 5,600,000 | Rs 1,610,000 + 45% of amount over Rs 5,600,000 |
How to Calculate Income Tax in Pakistan
Multiply your monthly salary by 12 to get your yearly income. Find the slab your yearly income falls in, then add the fixed tax for that slab to the slab rate on the amount above its starting point. Divide by 12 for your monthly tax. Here are three worked examples for salaried people:
Salary of Rs 300,000 a month
Yearly income: Rs 300,000 × 12 = Rs 3,600,000
- First Rs 600,000 → Rs 0
- Next Rs 600,000 at 1% → Rs 6,000
- Next Rs 1,000,000 at 11% → Rs 110,000
- Next Rs 1,000,000 at 20% → Rs 200,000
- Remaining Rs 400,000 at 25% → Rs 100,000
Tax: Rs 416,000 a year, or Rs 34,667 a month. Take-home: Rs 265,333 a month.
Salary of Rs 750,000 a month
Yearly income: Rs 750,000 × 12 = Rs 9,000,000
- First Rs 600,000 → Rs 0
- Next Rs 600,000 at 1% → Rs 6,000
- Next Rs 1,000,000 at 11% → Rs 110,000
- Next Rs 1,000,000 at 20% → Rs 200,000
- Next Rs 900,000 at 25% → Rs 225,000
- Next Rs 1,500,000 at 29% → Rs 435,000
- Next Rs 1,400,000 at 32% → Rs 448,000
- Remaining Rs 2,000,000 at 35% → Rs 700,000
Tax: Rs 2,124,000 a year, or Rs 177,000 a month. Take-home: Rs 573,000 a month.
Monthly Salary Tax Table
Income tax and take-home pay for common monthly salaries under the salaried slabs for 2026-27.
| Monthly salary | Monthly tax | Take-home | Yearly tax | Effective rate |
|---|---|---|---|---|
| Rs 50,000 | Rs 0 | Rs 50,000 | Rs 0 | 0% |
| Rs 60,000 | Rs 100 | Rs 59,900 | Rs 1,200 | 0.2% |
| Rs 75,000 | Rs 250 | Rs 74,750 | Rs 3,000 | 0.3% |
| Rs 100,000 | Rs 500 | Rs 99,500 | Rs 6,000 | 0.5% |
| Rs 125,000 | Rs 3,250 | Rs 121,750 | Rs 39,000 | 2.6% |
| Rs 150,000 | Rs 6,000 | Rs 144,000 | Rs 72,000 | 4% |
| Rs 200,000 | Rs 13,000 | Rs 187,000 | Rs 156,000 | 6.5% |
| Rs 250,000 | Rs 23,000 | Rs 227,000 | Rs 276,000 | 9.2% |
| Rs 300,000 | Rs 34,667 | Rs 265,333 | Rs 416,000 | 11.6% |
| Rs 400,000 | Rs 62,000 | Rs 338,000 | Rs 744,000 | 15.5% |
| Rs 500,000 | Rs 92,000 | Rs 408,000 | Rs 1,104,000 | 18.4% |
What Changed in Budget 2026-27
Finance Act 2026 reshaped the salaried slabs to reduce tax for middle and upper-middle incomes:
- Salaried slabs went from 6 to 8.
- The 23% band became 20%.
- The 30% band became 25%.
- The old 35% band was split into 29%, 32% and 35%.
- The 9% surcharge was removed for salaried people.
- No change for income up to Rs 2.2 million a year.
2025-26 vs 2026-27: How Much Will You Save?
The table compares yearly tax for salaried people under last year's slabs (Finance Act 2025) and this year's (Finance Act 2026). Salaries up to Rs 2.2 million a year pay the same as before. Above that, the lower middle bands and the removal of the 9% surcharge mean you keep more of every raise. Choose 2025-26 in the calculator to check your own salary.
| Monthly salary | 2025-26 yearly tax | 2026-27 yearly tax | Yearly saving |
|---|---|---|---|
| Rs 100,000 | Rs 6,000 | Rs 6,000 | No change |
| Rs 150,000 | Rs 72,000 | Rs 72,000 | No change |
| Rs 200,000 | Rs 162,000 | Rs 156,000 | Rs 6,000 |
| Rs 300,000 | Rs 466,000 | Rs 416,000 | Rs 50,000 |
| Rs 500,000 | Rs 1,281,000 | Rs 1,104,000 | Rs 177,000 |
| Rs 750,000 | Rs 2,331,000 | Rs 2,124,000 | Rs 207,000 |
| Rs 1,000,000 | Rs 3,685,290 | Rs 3,174,000 | Rs 511,290 |
Filer vs Non-Filer: What Changes?
The salary tax slabs on this page are the same for everyone. Whether or not you file a return, your employer deducts tax from your salary using exactly the same rates.
The difference shows up elsewhere. People who are not on the Active Taxpayers List (ATL) pay higher withholding tax on many everyday transactions, including:
- Cash withdrawals from banks above the daily threshold
- Buying or selling property
- Registering and transferring vehicles
- Some other banking and purchase transactions
These rates change from budget to budget, so check FBR's current withholding tax rate card for exact figures. To see whether you are a filer, search your CNIC on the Active Taxpayers List on the FBR website. You join the list by filing your income tax return, and filing on time keeps you on it.
How Tax on Bonus Works
A bonus is not taxed separately. It counts as salary, so it is added to your yearly taxable salary and the slab rates apply to the total. Your employer usually deducts the extra tax in the month the bonus is paid, which is why that month's take-home can look lower than you expect.
Because the bonus sits on top of your salary, it is taxed at your highest slab rate, or higher if it pushes you into the next slab. It never reduces the tax-free part of your salary.
Salary of Rs 150,000 a month + Rs 300,000 bonus
Yearly income: Rs 150,000 × 12 + Rs 300,000 bonus = Rs 2,100,000
- First Rs 600,000 → Rs 0
- Next Rs 600,000 at 1% → Rs 6,000
- Remaining Rs 900,000 at 11% → Rs 99,000
Tax: Rs 105,000 a year, or Rs 8,750 a month. Take-home: Rs 166,250 a month.
Without the bonus, this salary pays Rs 72,000 a year. With it, the yearly tax rises to Rs 105,000, so the Rs 300,000 bonus costs Rs 33,000 in tax and you keep Rs 267,000 of it. Enter your own bonus in the optional field in the calculator above.
Legal Ways to Reduce Your Tax
Pakistan's tax law allows a few deductions and credits that can lower your final tax. A deduction reduces your taxable income; a tax credit reduces the tax itself. Most salaried people can claim these when they file their return, even if their employer has already deducted tax.
Zakat deduction
Zakat paid under the Zakat and Ushr Ordinance, such as the amount banks deduct from savings accounts, can be deducted from your taxable income. Keep the deduction certificate from your bank.
Charitable donations
Donations to approved charities and non-profit organisations can earn you a tax credit, which reduces your tax directly rather than your income. Keep the receipts and make sure the organisation is on FBR’s approved list.
Approved pension fund contributions
Contributions to an approved pension fund under the Voluntary Pension System (VPS) can earn a tax credit while you save for retirement.
Education expenses
Tuition fees paid for your children can be deducted from taxable income, subject to conditions on the amount and on your own income.
Limits and conditions apply — confirm with FBR or a tax advisor.
How to File Your Income Tax Return (FBR IRIS)
Salaried people file online through FBR IRIS. Ask your employer for your salary certificate first, as it has the figures you need.
Register on IRIS
Go to FBR’s IRIS portal and register with your CNIC, mobile number and email address. FBR sends a password and PIN to complete registration.
Log in
Sign in to IRIS with your CNIC and password.
Choose the return form
Open the income tax return for the relevant tax year. Salaried people choose the return form for individuals with salary income.
Enter your salary and tax deducted
Copy your yearly salary and the total tax deducted from your employer’s salary certificate. Add any other income, such as bank profit.
Add your wealth statement
List your assets, such as property, vehicles, bank balances and cash, along with your liabilities and personal expenses for the year.
Submit
Check the figures, submit the return and save the acknowledgement for your records.
FBR announces the filing deadline each year; it is often 30 September, but check FBR's announcement for the current year, as it is sometimes extended.
Tax for Freelancers and Business Owners
If your income comes from a business, a profession or freelance work rather than a salary, you use the non-salaried slabs above. They start at the same Rs 600,000 tax-free threshold but rise faster, and a 9% surcharge applies on taxable income above Rs 10 million. Tax is charged on taxable income, meaning your earnings after allowable business expenses.
Non-salaried income of Rs 200,000 a month
Yearly income: Rs 200,000 × 12 = Rs 2,400,000
- First Rs 600,000 → Rs 0
- Next Rs 600,000 at 15% → Rs 90,000
- Next Rs 400,000 at 20% → Rs 80,000
- Remaining Rs 800,000 at 30% → Rs 240,000
Tax: Rs 410,000 a year, or Rs 34,167 a month. Take-home: Rs 165,833 a month.
A salaried person earning the same Rs 2,400,000 a year would pay Rs 156,000, so the non-salaried tax here is Rs 254,000 higher. Freelancers who export IT services and receive payment through banking channels may be taxed under different rules, so check with a tax advisor before you rely on these slabs.
Income Tax Calculator FAQs
How do I calculate tax on my salary in Pakistan?
Multiply your monthly salary by 12 to get your yearly income and find the FBR slab it falls in. Add that slab’s fixed tax to its rate on the amount above the slab’s starting point, then divide by 12 for your monthly tax. Our salary tax calculator does all of this for you instantly.
What is the tax on a 100,000 monthly salary in Pakistan?
Under the 2026-27 salaried slabs, a salary of Rs 100,000 a month (Rs 1,200,000 a year) pays Rs 500 a month in income tax, or Rs 6,000 a year, leaving a take-home salary of Rs 99,500 a month. Enter any other amount in the salary tax calculator above to check it.
Is this salary tax calculator updated for 2026-27?
Yes. The salary tax calculator uses the salaried slabs from Finance Act 2026, which apply to income earned from 1 July 2026 – 30 June 2027 (Tax Year 2027). You can also switch to the 2025-26 slabs to compare.
What is the difference between gross and take-home salary?
Gross salary is your full pay before any deductions. Take-home (net) salary is what reaches your bank account after income tax is deducted. The salary tax calculator shows both, so you can see exactly how much tax comes out of your pay. Other deductions, such as provident fund contributions, are not included.
How much salary is tax-free in Pakistan in 2026-27?
Income up to Rs 600,000 a year (Rs 50,000 a month) is tax-free for salaried individuals.
How much tax on Rs 300,000 monthly salary?
A salaried person earning Rs 300,000 a month pays Rs 34,667 a month in income tax (Rs 416,000 a year).
Will a raise reduce my take-home pay?
No. Each tax rate only applies to the part of your income that falls inside that slab, so a raise always increases your take-home pay.
Do these slabs apply to freelancers?
No. Non-salaried individuals, business owners and freelancers use a separate table with rates from 15% to 45%.
Who counts as salaried?
A person whose salary income is more than 75% of their total taxable income is taxed under the salaried slabs.
Is there a surcharge for salaried people?
No. The surcharge on salary income was withdrawn by Finance Act 2026.
When do these slabs apply?
They apply to income earned from 1 July 2026 – 30 June 2027 (Tax Year 2027).
When is tax deducted from my salary?
Your employer deducts it every month. They estimate your tax for the whole year, spread it across your monthly pay and deposit it with FBR on your behalf. Your salary certificate shows the total deducted.
What if too much tax was deducted — how do I get a refund?
File your income tax return for that year. If the tax deducted is more than the tax you actually owe, the return will show the difference as refundable, and you can then apply for the refund through FBR IRIS.
How is tax calculated if I have two jobs?
Tax is worked out on your total salary from both jobs, not on each one separately. Each employer only sees its own salary, so the combined deduction is often too low. Tell your employers about your other income, or pay the difference when you file your return.
Is my bonus taxed?
Yes. A bonus is part of your salary income. It is added to your yearly taxable salary, and the slab rates apply to the total. Use the optional bonus field in the calculator to see the effect.
Do I need to file a return if my salary is below Rs 600,000?
Your salary alone may not require it, but other conditions, such as owning certain property or a vehicle, can make filing compulsory. Many people file anyway to join the Active Taxpayers List and pay lower withholding tax. Check FBR’s current rules.
Does this calculator work for government employees?
Yes. Government and private-sector employees use the same salaried slabs. Enter your taxable salary, leaving out any allowances that are exempt from tax.
This calculator gives an estimate based on Finance Act 2026 slabs. Exemptions, allowances, and tax credits can change your final tax. Verify with FBR or a tax advisor. Last updated: 27 October 2026.
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