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Pakistan's tax rates are set by the annual Finance Act and change every July, so the tax calculators here carry a visible note until the current year's slabs are confirmed against FBR. They cover salaried income tax, the final tax on freelance and IT exports, advance tax on property under Sections 236C and 236K, sales tax and withholding on bank profit — always distinguishing active filers from non-filers, which changes most rates.
The everyday tools — electricity bill, solar net-metering payback, car loan installments, Daraz seller commission, gold zakat and Umrah budgeting — use published tariffs and commonly cited market figures with their limits stated on each page. Amounts are in PKR.
Estimate your Pakistan salary income tax, monthly and annual, based on the latest FBR slabs.
Pakistan salary income tax is charged in progressive slabs set each year by the Finance Act, with income up to PKR 600,000 exempt and the top rate 35%. Tax is deducted monthly by the employer; the tax year runs 1 July to 30 June.
Open the calculatorFreelancer tax calculator for Pakistan: final tax on Upwork, Fiverr and IT export income at 0.25% (PSEB) vs 1%, plus normal-regime comparison — FBR rates for tax year 2026.
Pakistani freelancers and IT exporters pay a final tax on export proceeds — commonly cited as 0.25% for PSEB-registered exporters and 1% for non-registered — instead of normal income tax slabs on that income. Rates are set by the annual Finance Act.
Open the calculatorPTA mobile tax check: estimate the PTA registration tax on an imported phone (iPhone, Samsung, any brand) by value band for passport and CNIC registration, with a link to PTA's official DIRBS check.
PTA mobile registration tax in Pakistan depends on the phone's value band and whether it is registered on a passport (within 60 days of arrival, lower rates) or a CNIC. The authoritative figure comes from PTA's DIRBS calculator; third-party estimates are approximate.
Open the calculatorEstimate advance tax on buying or selling property in Pakistan under Section 236C (seller) and 236K (buyer), by filer status.
For Tax Year 2027 (from 1 July 2026) Pakistan charges advance tax on property transactions of 1.25% from a buyer on the Active Taxpayers List (10.5%, 14.5% or 18.5% for non-filers depending on the value band) under Section 236K, and 2.75% from a filer seller (11.5% non-filer) under Section 236C — so a filer buying a PKR 20 million house pays PKR 250,000 against PKR 2.1 million for a non-filer. Both are adjustable against annual tax.
Open the calculatorAdd 18% sales tax to a price, or extract the tax already included in a GST-inclusive amount — with a custom rate for provincial services tax.
Pakistan's standard sales tax on goods is 18%. To add it multiply by 1.18; to extract it divide the gross by 1.18. Sales tax on services is provincial — Punjab, Sindh, KP and Balochistan each set their own rate, typically 13–16%.
Open the calculatorSee exactly how much more a non-filer pays than a filer in Pakistan on a property purchase or sale, vehicle registration, bank profit, dividends and cash withdrawals — and the saving from joining the ATL.
In Pakistan non-filers (not on the FBR Active Taxpayers List) pay 8–15 times the filer rate of advance tax when buying property (10.5–18.5% vs 1.25%), over four times when selling (11.5% vs 2.75%), three times the vehicle purchase tax, 40% instead of 20% on bank profit, 30% instead of 15% on dividends and 0.8% on cash withdrawals over PKR 50,000 (Finance Act 2026) — all avoidable by filing a return on IRIS.
Open the calculatorTax on rental income in Pakistan for Tax Year 2027 at the section 155 slab rates for individuals (or 15% / 30% for companies), the withholding deducted by a company tenant, allowable repairs and interest, and the balance due or refundable.
Rental income in Pakistan is taxed as a separate block for individuals at nil up to PKR 300,000 a year, 5% to 600,000, PKR 15,000 + 10% to 2 million and PKR 155,000 + 25% above, with company tenants withholding at the same rates on gross rent; PKR 150,000 a month of rent bears about PKR 135,000 of tax before deductions for repairs (up to 1/5 of rent), interest and property tax. The 7E deemed-income tax was struck down in May 2026.
Open the calculatorCapital gains tax on selling a plot, house, flat, shares or mutual fund units in Pakistan: the flat 15% regime for assets bought from July 2024, the holding-period scale for older assets, the non-filer 15% floor and the credit for 236C advance tax.
Capital gains on property or shares bought on or after 1 July 2024 are taxed at a flat 15% in Pakistan for persons on the Active Taxpayers List (non-filers at slab rates with a 15% floor); assets bought earlier use the holding-period scale — 15% within a year falling to 0% after 6 years for plots, 4 for houses and 2 for flats. A PKR 10 million gain on a plot bought in 2023 and held 3.6 years pays 7.5% = PKR 750,000.
Open the calculatorIncome tax on business profit in Pakistan for Tax Year 2027 as a sole proprietor, AOP, small company or company, the 1.25% minimum tax on turnover, super tax, the 10% high-income surcharge, credit for withholding and whether incorporating would cut the bill.
Business profit in Pakistan for Tax Year 2027 is taxed at 0% to PKR 600,000, 15% to 1.2m, 20% to 1.6m, 30% to 3.2m, 40% to 5.6m and 45% above for sole proprietors and AOPs (plus a 10% surcharge above PKR 10 million), or a flat 29% for companies (20% small companies), subject to a minimum tax of 1.25% of turnover and super tax above PKR 500 million; PKR 6 million of profit costs a sole trader PKR 1.79 million and a company PKR 1.74 million.
Open the calculatorTax to withhold on payments in Pakistan for Tax Year 2027: goods, services, IT services, professionals and contracts under section 153, rent, bank profit and dividends, at the Finance Act 2026 rates for filers and non-filers, with net payable and the minimum/final/adjustable treatment.
For Tax Year 2027 Pakistani withholding agents deduct 5% / 5.5% on goods, 14% on services (7% specified services, 4% IT services, 15% professionals), 7.5% / 8% on contracts, slab rates on rent, 20% on bank profit and 15% on dividends — all doubled for payees not on the Active Taxpayers List; for most goods, services and contracts the deduction is a minimum tax that cannot be refunded.
Open the calculatorCalculate your monthly car loan installment in Pakistan, for conventional bank financing or Islamic (profit-rate) financing.
A Pakistani car loan instalment is calculated with the standard amortisation formula on the financed amount (price minus down payment), usually at a KIBOR-linked floating rate for conventional loans or a comparable profit rate for Islamic financing, over 1–7 years.
Open the calculatorWork out zakat due on gold held in tola or grams, using the 7.5-tola nisab threshold and today's gold price.
Zakat on gold is 2.5% of its value once your total zakatable wealth reaches the nisab of 7.5 tola (87.48 grams) of gold and has been held for one lunar year. Some scholars use the lower silver-based nisab instead.
Open the calculatorGet a rough estimate of your monthly domestic electricity bill from units consumed, before taxes and any fuel price adjustment.
Pakistan domestic electricity bills use progressive per-unit slab rates set by NEPRA — cheaper 'protected' rates for low-usage households and higher rates above roughly 200–300 units — plus 17% GST, electricity duty, a TV licence fee and monthly fuel price adjustments.
Open the calculatorEstimate how many years a rooftop solar system takes to pay for itself in Pakistan, based on system size, cost, your tariff and the net-metering export rate.
Under Pakistan's net metering, solar units you consume yourself save the full retail tariff while surplus exported units are credited at a much lower buy-back rate. A 10 kW rooftop system typically generates around 1,200 units a month and pays back in roughly 3–5 years.
Open the calculatorBank profit calculator for Pakistan: monthly and yearly profit on savings accounts, term deposits and PLS at any rate, after 20% / 40% withholding tax for filers and non-filers (FBR 2026–27).
Bank profit in Pakistan is paid on savings accounts at a declared variable rate and on term deposits at a fixed rate. Banks deduct withholding tax at source under Section 151 of the Income Tax Ordinance — 20% for active tax filers (on the FBR Active Taxpayers List) and 40% for non-filers from 1 July 2026 — so PKR 1,000,000 at 12% pays a filer PKR 8,000 a month net and a non-filer PKR 6,000.
Open the calculatorAdd up cash, bank savings, gold, silver, investments and trade stock, subtract debts, compare with the nisab in rupees and get your zakat at 2.5%.
Zakat is 2.5% of net zakatable wealth — cash, bank balances, gold, silver, investments and trade stock minus debts due — held for one lunar year above the nisab of 7.5 tola of gold or 52.5 tola of silver (the silver nisab is the usual basis for mixed assets in Pakistan). Pakistani banks deduct 2.5% from savings accounts on 1 Ramadan unless an exemption is filed.
Open the calculatorEstimate the monthly installment, total profit or interest and required down payment on a house loan in Pakistan, conventional (KIBOR + spread) or Islamic diminishing musharakah.
Pakistani banks price house finance at KIBOR plus a spread of about 2–4%, repriced periodically, with financing capped at 85% of the property value and tenures up to 25 years. Islamic diminishing musharakah uses a KIBOR-linked rental rate and produces the same monthly installment as the amortising formula at the same rate.
Open the calculatorCalculate semester GPA and cumulative CGPA on the HEC 4.0 scale from marks or letter grades and credit hours, and see what you need next semester to hit a target CGPA.
On the HEC 4.0 scale, GPA = sum of (grade points × credit hours) ÷ total credit hours, and CGPA applies the same formula across all semesters. The common grading table is 85+ = A (4.00), 80–84 = A- (3.70), 75–79 = B+ (3.30), 70–74 = B (3.00), 65–69 = B- (2.70), 61–64 = C+ (2.30), 58–60 = C (2.00), 55–57 = C- (1.70), 50–54 = D (1.00), below 50 = F.
Open the calculatorCalculate your admission aggregate for MDCAT, NUMS, ECAT (UET), NUST NET, FAST and GIKI from matric, intermediate and test marks using each university's published weightings.
MDCAT merit aggregate = 10% matric + 40% intermediate + 50% MDCAT (out of 200), each as marks ÷ total; NUMS uses the same weights, UET's ECAT 70% intermediate + 30% ECAT (of 400), NUST 10% matric + 15% intermediate + 75% NET, FAST 10/40/50 and GIKI 15% intermediate + 85% test. Every 4 MDCAT marks move the aggregate by 1%.
Open the calculatorMonthly and annual profit on National Savings schemes at the rates effective 21 October 2026 — Behbood, Pensioners Benefit, Regular Income, Special Savings, Sarwa Islamic, Short Term and Defence Savings Certificates — after 20% / 40% withholding, versus a bank deposit.
From 21 October 2026 National Savings pays 12.96% on Behbood and Pensioners' Benefit (monthly, no withholding), 12.12% on Regular Income Certificates, 12% on Special Savings, 11.84% on Sarwa Islamic, 11.12% on Short Term certificates, 10% on Savings Accounts and 88% to 215% cumulative on Defence Savings Certificates at 6 to 10 years; PKR 1 million in RICs pays PKR 10,100 a month gross, PKR 8,080 net for a filer after 20% withholding.
Open the calculatorMonthly installment on a Pakistani bank personal loan at a reducing or flat mark-up rate, total mark-up and APR including fees, debt-burden ratio and the maximum loan your salary supports under SBP rules, plus the saving from early settlement or a shorter term.
Pakistani banks price personal loans at 1-year KIBOR plus a spread — roughly 18–28% a year on a reducing balance in late 2026 — with clean loans capped at PKR 3 million and five years under SBP rules; PKR 1 million at 24% over 36 months costs PKR 39,233 a month and PKR 412,000 of mark-up, and banks keep installments within 40–50% of net salary.
Open the calculatorGet a rough budget estimate for Umrah from Pakistan — package cost, visa, and extras — for economy, standard and premium packages.
An Umrah from Pakistan typically costs from around PKR 250,000–350,000 for an economy package to PKR 600,000 or more for premium packages, covering visa, flights, hotels near the Haram and transport, plus personal spending.
Open the calculatorEstimate the total cost of Hajj from Pakistan under the government scheme or a private operator — package, qurbani, spending money, vaccinations — per pilgrim and for the whole family.
Hajj from Pakistan costs roughly PKR 1.1–1.2 million per pilgrim on the government scheme (long and short packages, balloted) and PKR 1.2–3 million privately, plus qurbani (about SAR 720), spending money (SAR 1,000–2,000), vaccinations and travel — commonly PKR 1.3 million to 2 million all-in per person at current exchange rates.
Open the calculatorCalculate your real net profit per order on Daraz after commission, payment gateway fee, GST and shipping.
Daraz charges sellers a category-based commission — from under 3% on packaging to around 18.5% on fashion — plus a payment gateway fee of about 2.25% and provincial sales tax on those fees. Net profit is the selling price minus commission, fees, tax, shipping and cost.
Open the calculatorTotal duties and taxes on importing goods into Pakistan: customs value from CIF, customs duty, additional and regulatory duty, 18% sales tax, the 3% value-addition tax for commercial importers and s.148 income tax at import, stacked in the official order, with landed cost per unit.
Import taxes in Pakistan stack on the customs value (CIF + 1%): customs duty, additional customs duty and regulatory duty on that value, 18% sales tax on the duty-paid value, 3% value-addition tax for commercial importers, and income tax under section 148 (1%, 2% or 5.5% — 3.5% / 6% for commercial importers, double for non-filers) on the total including sales tax; finished goods at 20% + 6% duty attract about 62% of CIF in taxes.
Open the calculatorEstimate your EOBI old-age pension from years of insurable service and the wage base, plus the monthly employer and employee contributions and your eligibility date.
The EOBI pension is the average insurable wage × 2% × years of insurable employment, subject to the minimum pension (PKR 11,500 as most recently reported), payable from age 60 for men and 55 for women after at least 15 years of contributions; contributions are 5% employer and 1% employee of the minimum wage (PKR 37,000).
Open the calculatorCalculate end-of-service gratuity in Pakistan at 30 days' last-drawn wages for every completed year of service, with the six-month rounding rule.
Gratuity in Pakistan is 30 days' last-drawn wages for every completed year of service (a part-year of six months or more counts as a full year) under the Standing Orders Ordinance, payable on resignation, termination or retirement unless a provident fund is provided instead; gratuity from an approved fund is tax-exempt.
Open the calculatorProject your provident fund balance from employee and employer contributions on basic salary, the fund's profit rate and salary growth, and see the tax-free limits.
In Pakistan a provident fund takes a fixed percentage of basic salary from the employee (commonly 8.33% or 10%) matched by the employer, credits annual profit of around 10–15%, and pays the whole balance tax-free on leaving if the fund is recognised by the FBR; the employer's contribution is tax-free up to the lower of 10% of salary or PKR 150,000 a year.
Open the calculatorMonthly take-home salary in Pakistan for Tax Year 2027 after income tax at the Finance Act 2026 slabs, EOBI and provident fund, with effective and marginal rates, the saving versus last year and the full cost to the employer.
For Tax Year 2027 (from 1 July 2026) salary in Pakistan is taxed at nil up to PKR 600,000, then 1%, 11%, 20%, 25%, 29%, 32% and 35% above PKR 7 million, withheld monthly by the employer; a PKR 150,000 monthly salary pays PKR 6,000 a month of tax and, with EOBI (PKR 370) and 10% provident fund, takes home about PKR 134,630. The Finance Act 2026 cut tax for salaries between PKR 2.2 million and 7 million a year.
Open the calculatorFederal government pension in Pakistan: gross pension at 7/300 per year on the 24-month average pay (max 70%), the 35% commutation lump sum using the Finance Division factor for your age, net monthly pension with medical allowance, and the voluntary-retirement reduction.
A federal government pension in Pakistan equals average pay of the last 24 months × 7/300 × years of service, capped at 30 years (70%); up to 35% can be commuted for a lump sum of commuted pension × 12 × the age factor (12.3719 at 60). On PKR 150,000 average pay with 30 years the gross pension is PKR 105,000, the lump sum about PKR 5.46 million and the net pension PKR 68,250 a month plus medical allowance.
Open the calculatorThe full cost of buying or selling property in Pakistan: buyer and seller advance tax (236K / 236C) for filers and non-filers at the 2026-27 rates, stamp duty, registration, CVT, society transfer fee and agent commission.
Buying property in Pakistan in 2026-27 costs a filer 1.25% advance tax (section 236K) plus provincial stamp duty and registration of roughly 2–5% of the DC value, society transfer fees and 1% agent commission — about 4.5–7% of the price; non-filers pay 10.5% to 18.5% advance tax instead. Sellers pay 2.75% (11.5% non-filer) under section 236C plus commission, before capital gains tax.
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