Salary In-Hand Calculator (Pakistan)
Enter your monthly gross salary. The tool applies the Federal Budget 2025-26 salaried-person tax schedule, subtracts EOBI or pension deductions, and shows your estimated in-hand pay.
Annual income tax
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Monthly income tax
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Total monthly deductions
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Net in-hand (monthly)
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Effective tax rate: —
Slab-by-slab tax breakdown
| Annual slab (PKR) | Rate | Taxable amount in slab | Tax from slab |
|---|---|---|---|
| Enter a salary and press Calculate to see the breakdown. | |||
Estimate based on the Federal Budget 2025-26 salaried-person schedule. A 10% surcharge applies on income tax when annual taxable income exceeds PKR 10 million.
How to use
- Enter your monthly gross salary in PKR, before any deductions.
- Select your sector and taxpayer status.
- If a conveyance allowance is part of your pay, enter it and tick the exemption box only if your employer confirms it is tax-exempt.
- Tick the surcharge box if your annual income is above PKR 10 million.
- Press Calculate to see your monthly and annual tax, total deductions, net in-hand pay, effective tax rate and the slab breakdown.
Frequently asked questions
What is the Salary In-Hand Calculator?
It estimates your monthly take-home pay in Pakistan after income tax, EOBI or pension deductions and conveyance tax treatment, using the Federal Budget 2025-26 salaried-person tax schedule.
Does being a filer change my salary tax?
The salary income tax slabs are the same for filers and non-filers. Being on the Active Taxpayer List mainly lowers withholding tax rates on other income, such as profit on savings.
What retirement deduction is applied?
For private-sector employees the tool subtracts the employee EOBI contribution of Rs 370 per month. For government employees it subtracts a 3% pension fund contribution. These are simplified standard assumptions.
Is conveyance allowance taxable?
Conveyance allowance is generally taxable. Some government employees have exempt portions under the rules. Tick the exemption box only if your allowance is confirmed tax-exempt by your employer.
When does the surcharge apply?
A 10% surcharge applies on the income tax when annual taxable income exceeds PKR 10 million. Tick the box to include it in your estimate.
Is the result exact?
No. This is an estimate for general guidance only, based on the published Federal Budget 2025-26 salaried-person schedule and simplified deduction assumptions. Your actual pay slip may differ because of allowances, exemptions and employer-specific rules. Confirm your pay position with your employer or a tax professional before relying on the figures.