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Tax calculated as per latest FBR rates for FY 2025-26 (Salaried) and Business / Self-Employed slabs.
| Annual Income | — |
| Total Tax | — |
| Effective Tax Rate | — |
| Take Home Salary (Annual) | — |
| Take Home Salary (Monthly) | — |
This calculator uses the latest FBR tax slabs for FY 2025-26 under the Finance Act 2025. It supports both Salaried Persons and Business / Self-Employed (AOP) individuals. Pakistan uses a progressive tax system — meaning different portions of your income are taxed at different rates, not your entire income at a single rate.
Enter your monthly or annual income, select your employment type and tax year, and instantly see your total tax payable, effective tax rate, and take-home salary — broken down monthly and annually. No data is stored; the calculation runs entirely in your browser.
0% to 35% — six progressive brackets for FY 2025-26
Seven brackets for self-employed persons and freelancers
Effective rate, take-home monthly & annual salary shown
For FY 2025-26 (July 2025 – June 2026), salaried individuals pay: 0% on income up to PKR 600,000 | 1% on PKR 600,001–1,200,000 | 11% on PKR 1,200,001–2,200,000 | 23% on PKR 2,200,001–3,200,000 | 30% on PKR 3,200,001–4,100,000 | 35% above PKR 4,100,000. These are marginal rates — only the income within each bracket is taxed at that rate.
Salaried persons and business/AOP individuals have separate slab structures. Salaried slabs are generally more favorable — the 0% bracket extends to PKR 600,000. Business/self-employed individuals also have a 0% bracket up to PKR 600,000 but the rates rise differently at higher income levels. If you receive both salary and business income, each type is assessed under its respective slabs.
Yes, absolutely. Employer deduction (withholding) does not eliminate your obligation to file an annual return. Filing a return is a separate legal requirement if your income exceeds PKR 600,000. Filing also keeps you on the Active Taxpayer List (ATL), which gives you lower withholding tax rates on banking transactions, property purchases, and vehicle registrations — saving you significantly more than the effort of filing.
Your tax bracket is the highest rate that applies to your income (e.g., 23%). Your effective tax rate is your total tax divided by your total income — always lower than your bracket. For example, someone earning PKR 2,500,000 annually falls in the 23% bracket but their effective rate is around 6–8% because only the amount above PKR 2,200,000 is taxed at 23%. Our calculator shows both figures clearly.
A monthly salary of PKR 100,000 equals PKR 1,200,000 annually. Under FY 2025-26 salaried slabs: 0% on first PKR 600,000 = PKR 0; 1% on next PKR 600,000 = PKR 6,000. Total annual tax = PKR 6,000, or just PKR 500 per month. Use our Income Tax Calculator to calculate for your exact salary.
Yes. FBR allows several tax credits and deductions: Charitable donations to approved NPOs (up to 30% of taxable income) | Education expenses for children in Pakistani institutions | Health insurance premiums paid during the year | Profit on debt (mortgage interest on first home) | Pension fund contributions. These reduce your taxable income or provide a direct tax credit. Keep receipts for all deductible expenses.
Non-filers face serious consequences: a minimum penalty of PKR 40,000; removal from the Active Taxpayer List; double withholding tax on cash withdrawals above PKR 50,000/day (0.6% vs 0% for filers); higher rates on property transactions; and the risk of a best judgment assessment by FBR where they estimate your income and demand tax plus penalties. Being an active filer costs almost nothing but saves significantly.