Bank Profit Tax Calculator (Filer vs Non-Filer)
See how much withholding tax the bank deducts from your profit on deposits or savings certificates. Enter your yearly profit, pick filer status, and compare both scenarios to see what becoming a filer saves you.
Tax deducted
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Net profit you receive
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Filer saves per year
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Side-by-side comparison
| Item | Filer | Non-filer |
|---|
Defaults follow Section 151 of the Income Tax Ordinance (15% filer, 30% non-filer). Some rate cards show 20% and 40% after Finance Act 2026 — update the editable rates above to match your bank statement.
General information only, not tax advice. This is an estimate. Verify the current FBR withholding rate card and talk to a tax consultant about your own case.
How to use
- Enter your total yearly profit on bank deposits or savings certificates.
- Select your filer status and adjust the rates if your bank uses different ones.
- Read the tax deducted, net profit and the yearly saving from becoming a filer.
Note: Tax deducted = yearly profit x rate / 100. Net profit = yearly profit - tax deducted. Yearly filer saving = net profit as filer - net profit as non-filer.
Tips
- File your income tax return to join the Active Taxpayers List before the profit is credited.
- Keep bank profit certificates; you need them when filing your return.
- Compare Islamic and conventional deposit profit rates after tax, not before.