Pakistan Salary Tax Calculator 2026-27

Enter your gross monthly salary to see income tax and net take-home pay under the FY 2026-27 salaried-individual slabs.

Annual Gross:

Annual Tax:

Monthly Tax:

Monthly Take-Home:

Income Tax Slabs for Salaried Individuals, FY 2026-27

The Finance Act 2026-27 was passed by the National Assembly on 23 June 2026 and gazetted on 26 June 2026. It applies to salary earned from 1 July 2026 (Tax Year 2027). The new structure has eight slabs instead of six, lower rates for annual incomes between Rs 2.2 million and Rs 7 million, and no surcharge. The calculator above applies exactly these slabs, and the table below shows them with their monthly equivalents.

Annual taxable income (PKR)Monthly equivalentTax rateTax payable
Up to 600,000 Up to 50,000 0% Nil
600,001 – 1,200,000 50,001 – 100,000 1% 1% of the amount above Rs 600,000
1,200,001 – 2,200,000 100,001 – 183,333 11% Rs 6,000 + 11% of the amount above Rs 1,200,000
2,200,001 – 3,200,000 183,334 – 266,667 20% Rs 116,000 + 20% of the amount above Rs 2,200,000
3,200,001 – 4,100,000 266,668 – 341,667 25% Rs 316,000 + 25% of the amount above Rs 3,200,000
4,100,001 – 5,600,000 341,668 – 466,667 29% Rs 541,000 + 29% of the amount above Rs 4,100,000
5,600,001 – 7,000,000 466,668 – 583,333 32% Rs 976,000 + 32% of the amount above Rs 5,600,000
Above 7,000,000 Above 583,333 35% Rs 1,424,000 + 35% of the amount above Rs 7,000,000

These are marginal rates. Pakistan taxes income in layers, so moving into a higher slab never means your whole salary is taxed at the higher rate. Only the rupees above the slab threshold face that rate, and this is why a pay rise always increases your net pay.

How Much Tax Will You Pay? Examples by Monthly Salary

The table shows federal income tax at today's slabs for common salary levels, and compares it with what the same salary paid under the previous year's slabs (FY 2025-26). The final column is your approximate saving.

Monthly grossTax per month (FY27)Take-home per monthEffective tax rateTax per month (FY26)Monthly saving
Rs 50,000 Rs 0 Rs 50,000 0.0% Rs 0 No change
Rs 75,000 Rs 250 Rs 74,750 0.3% Rs 250 No change
Rs 100,000 Rs 500 Rs 99,500 0.5% Rs 500 No change
Rs 150,000 Rs 6,000 Rs 144,000 4.0% Rs 6,000 No change
Rs 200,000 Rs 13,000 Rs 187,000 6.5% Rs 13,500 Rs 500
Rs 250,000 Rs 23,000 Rs 227,000 9.2% Rs 25,000 Rs 2,000
Rs 300,000 Rs 34,667 Rs 265,333 11.6% Rs 38,833 Rs 4,167
Rs 400,000 Rs 62,000 Rs 338,000 15.5% Rs 71,750 Rs 9,750
Rs 500,000 Rs 92,000 Rs 408,000 18.4% Rs 106,750 Rs 14,750
Rs 750,000 Rs 177,000 Rs 573,000 23.6% Rs 194,250 Rs 17,250

Two patterns stand out. First, people earning up to about Rs 183,000 a month see no change in tax, because the first two slabs were not touched. Second, the largest savings go to mid-to-high earners between roughly Rs 183,000 and Rs 580,000 a month, where the marginal rates were cut from 23%, 30% and 35% to 20%, 25%, 29% and 32%.

How to Calculate Salary Tax Manually

You can check any result by hand in four steps. Multiply your monthly taxable salary by 12 to get the annual figure. Find the slab that contains it. Take the fixed amount for that slab and add the slab's rate multiplied by the part of your income above the slab's lower limit. Finally divide by 12 to get the monthly deduction.

Worked example: a monthly salary of Rs 250,000 is Rs 3,000,000 a year. That falls in the Rs 2.2–3.2 million slab, so the tax is Rs 116,000 plus 20% of Rs 800,000 (the part above Rs 2.2 million), which is Rs 116,000 + Rs 160,000 = Rs 276,000 a year, or Rs 23,000 a month. Take-home pay is Rs 227,000 a month before other deductions.

What This Calculator Does Not Include

Your actual payslip can differ from this estimate for legitimate reasons. Employers deduct provident fund contributions, EOBI, advance or loan recoveries, medical or life insurance premiums and sometimes provincial professional tax, none of which are in this tool. Certain allowances, benefits in kind and one-off bonuses can be taxed differently, and some taxpayers qualify for rebates or credits, for example on certain donations, pension contributions or specific professions. This tool also assumes salary is your only taxable income. Any other income, such as rent, business profit or freelance earnings, is added to your taxable income in the annual return.

For planning purposes, treat the result as the federal income tax withheld on a regular salary, and ask your HR or payroll team for the exact monthly deduction. For tax filing, confirm figures with the FBR or a registered tax consultant.

Why Your Take-Home Pay Matters More Than Your Gross Salary

When comparing job offers in different cities or sectors, the gross number can mislead. An offer that looks Rs 20,000 higher may leave you with less after tax if it pushes more income into a higher slab, or if it replaces tax-efficient benefits such as a provident fund contribution with cash. Compare net pay, then add the value of benefits such as medical cover, a car or fuel allowance, gratuity and provident fund. You can also compare cities with our salary by job pages and our salary by city pages, which now show take-home pay for each role.

Related tools: the salary raise calculator shows what a percentage raise is worth, the provident fund calculator projects retirement savings, and the freelancer tax calculator covers the separate final-tax rates that apply to IT exporters and freelancers.

This calculator provides an estimate for general guidance only and does not constitute tax advice. Rates reflect the Finance Act 2026-27 as gazetted on 26 June 2026. Actual tax liability may differ based on allowances, exemptions and later FBR notifications. Confirm with a tax consultant or the FBR before filing.

Frequently Asked Questions

What are the income tax slabs for salaried people in Pakistan in 2026-27?

For tax year 2027 (1 July 2026 to 30 June 2027) there are eight slabs: 0% up to Rs 600,000; 1% from Rs 600,001 to Rs 1.2 million; 11% to Rs 2.2 million; 20% to Rs 3.2 million; 25% to Rs 4.1 million; 29% to Rs 5.6 million; 32% to Rs 7 million; and 35% above Rs 7 million, each applied with a fixed amount as shown in the table above.

Up to what monthly salary is income tax zero in Pakistan?

Annual taxable salary up to Rs 600,000 is exempt, which is Rs 50,000 per month. The first Rs 600,000 of income stays untaxed even for higher earners; only the amount above it enters the taxed slabs.

How much tax will I pay on a Rs 100,000 monthly salary?

Rs 100,000 a month is Rs 1,200,000 a year, so the tax is 1% of the Rs 600,000 above the exemption, which is Rs 6,000 a year or Rs 500 a month. Your monthly take-home is about Rs 99,500 before other deductions such as EOBI or provident fund.

Was the surcharge on high salaries removed?

Yes. The 9% surcharge that applied to salaried individuals earning above Rs 10 million a year was abolished by the Finance Act 2026-27, effective 1 July 2026.

Does this calculator include EOBI, provident fund or provincial taxes?

No. It calculates federal income tax on salary only. Provident fund, EOBI, loan instalments, insurance and any provincial or professional taxes are separate deductions that vary by employer, so your real take-home may be lower.

Is the tax calculated on gross or basic salary?

Tax is calculated on your total taxable salary for the year, which generally includes basic pay and taxable allowances and bonuses. Some allowances and benefits are treated differently, so check your salary slip or ask your payroll team which components are taxable.

Do filers and non-filers pay different salary tax?

The salary slabs apply to salaried individuals through employer withholding. Being on the Active Taxpayers List mainly affects other withholding taxes, such as those on bank transactions, vehicle and property transactions, so staying a filer is still strongly advisable.

How do I use this for a salary negotiation?

Enter the gross offer, note the monthly take-home, and compare offers on net pay rather than headline salary. Remember that crossing a slab only taxes the extra rupees at the higher rate, so a raise always increases your take-home.