| Gross Monthly Salary | PKR 0 |
| Annual Gross Salary | PKR 0 |
| Income Tax (Monthly) | PKR 0 |
| EOBI Deduction | PKR 370 |
| Total Deductions | PKR 0 |
| Net Take-Home (Monthly) | PKR 0 |
Understanding your take-home pay in Pakistan requires accounting for several deductions beyond just income tax. This calculator gives you the complete picture — from your gross salary package down to the net amount that actually reaches your bank account every month.
Enter your basic salary, house rent allowance (HRA), medical allowance, other allowances, and EOBI contribution. The calculator applies FBR's 2025-26 salaried tax slabs to your total gross income and deducts all statutory contributions to show your exact monthly take-home salary.
House Rent, Medical, and all other allowances calculated
Employee Old-Age Benefits Institution — PKR 370/month
Your actual monthly earnings after all deductions
Standard salary deductions in Pakistan include: Income Tax (withheld by employer at source based on FBR tax slabs); EOBI contribution — PKR 370/month (1% of PKR 37,000 minimum wage); and any provident fund contributions if your employer offers this. The employee does not pay ESSI directly from salary — it is usually employer-borne. Some companies also deduct loan repayments or advances.
Yes. Under FBR rules, HRA is part of gross taxable salary for income tax purposes, even if paid separately. All allowances (HRA, medical, conveyance, utilities) are generally included in taxable income unless specifically exempted. Medical allowance up to PKR 10% of basic salary was exempted historically — verify current FBR exemption limits with your tax consultant.
EOBI (Employees' Old-Age Benefits Institution) is a statutory pension scheme in Pakistan. As of 2024-25, the employee contribution is PKR 370/month (1% of the minimum wage of PKR 37,000). The employer contributes PKR 1,295/month (3.5% of minimum wage). EOBI covers workers in establishments with 5 or more employees. Upon retirement at age 60 (men) or 55 (women), you receive a monthly pension.