Income Tax Calculator Pakistan 2025-26 (FBR)
Calculate your take-home pay, income tax liabilities, EOBI contributions, and tax-saving deductions under the latest FBR structures. Updated with Finance Act 2025.
Your Income Details
Enter your salary information to calculate your live estimates.
Estimated Take-Home Monthly Salary
Rs. 143,630
Base Monthly (excluding bonus): Rs. 143,630
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Tax Assessment Report
Tax Year 2025-26 (Finance Act 2025)
Taxpayer Details
Employment Type: Salaried Individual
Monthly Base Salary: Rs. 150,000
Annual Bonus declared: Rs. 0
Other Income declared: Rs. 0
Deductions declared
Zakat paid (Ordinance): Rs. 0
Provident Fund contribution: Rs. 0
Separate Medical Allowance: Not declared
EOBI status: Enabled (Federal/Punjab)
Liabilities & Net Income Summary
| Annual Gross Revenue: | Rs. 1,800,000 |
| Deductions & Exemptions applied: | -Rs. 0 |
| Taxable Net Income: | Rs. 1,800,000 |
| Annual FBR Income Tax: | Rs. 72,000 |
| Annual Employee EOBI Contribution: | Rs. 4,440 |
| Total Net Take-Home Pay (Annual): | Rs. 1,723,560 |
| Monthly Net Take-Home Pay (Average): | Rs. 143,630 |
Islamic Zakat Estimator & Tax Relief
Estimate your annual Zakat obligation and see how FBR rewards charity declarations.
Asset Breakdown for Nisab Calculation
Total Zakatable Assets
Rs. 0
Your total assets are below the estimated silver Nisab threshold (Rs. 250,000), meaning Zakat is not obligatory.
"What-If" Salary Increase Impact
See what happens to your tax rate and monthly take-home salary if your gross pay increases.
| Monthly Salary Increase | New Gross Monthly Pay | New Monthly Tax | Incremental Tax Cost | New Take-Home Pay | Marginal Tax Rate |
|---|---|---|---|---|---|
| +Rs. 10,000 / mo | Rs. 160,000 | Rs. 7,100 | +Rs. 1,100 | Rs. 152,530 | 11.0% |
| +Rs. 25,000 / mo | Rs. 175,000 | Rs. 8,750 | +Rs. 2,750 | Rs. 165,880 | 11.0% |
| +Rs. 50,000 / mo | Rs. 200,000 | Rs. 13,500 | +Rs. 7,500 | Rs. 186,130 | 15.0% |
Withholding Tax (WHT) Estimator
Estimate how much transactional tax you pay based on daily activities.
Non-filers pay 0.6% on cash withdrawals over 50,000/day.
Tax on savings accounts interest: Filer 15% vs Non-Filer 35%.
Annual Cost of Being a Non-Filer
Non-filers in Pakistan are penalized with double or triple withholding rates on transactional costs.
Estimated Extra Cost Paid as Non-Filer
Rs. 10,600
You can save this money entirely by filing your returns and listing on the FBR Active Taxpayers List (ATL).
| Transaction Type | Filer Rate | Non-Filer Rate | Your Cost Difference |
|---|---|---|---|
| Cash Withdrawals WHT | 0% | 0.6% | +Rs. 600 |
| Bank Interest WHT | 15% | 35% | +Rs. 10,000 |
Frequently Asked Questions (FBR Tax Rules)
What constitutes a "Salaried Person" according to the FBR?
According to FBR regulations, an individual is treated as a salaried person if their salary income accounts for more than 75% of their total taxable income for the year. If other sources (like property, shares, or businesses) exceed 25% of taxable income, they are taxed under the non-salaried slabs.
How does Zakat reduce my annual income tax liability?
Any compulsory Zakat deducted by banks under the Zakat and Ushr Ordinance, 1980, or paid to government-approved charitable organizations, is considered a deductible allowance. FBR allows you to subtract 100% of this Zakat amount directly from your gross income, reducing your taxable bracket.
Are allowances like Medical or Provident Funds tax-free?
Employer contributions to recognized Provident Funds are exempt up to 10% of basic salary or Rs. 150,000 (whichever is lower). Separate Medical Allowance paid by employers is tax-exempt up to 10% of basic salary, provided the employee does not receive separate free medical/hospitalization facilities under their employment terms.
Why is withholding tax higher for non-filers in Pakistan?
To encourage compliance, the Pakistani government enforces a withholding penal system. Non-filers pay double or triple taxes on transactional activities, including cash withdrawals (0.6% above 50,000/day), savings account profits (35% vs 15%), car registrations (up to 300% higher), and property transactions.
Let your bank statement do the tax math.
Skip the spreadsheets. Download your PDF statement from HBL, Meezan, or Easypaisa, and upload it to Kepto. Our secure AI extracts every transaction in PKR, separates taxable items, tracks your Zakat, and reports your expenses automatically.