Pakistan Salary Calculator — Monthly Take-Home 2026-27
Monthly 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.
| Annual taxable salary | — |
|---|---|
| Income tax for the year | — |
| Monthly tax withheld (s.149) | — |
| EOBI (employee) | — |
| Provident fund (employee) | — |
| Other deductions | — |
| Take-home: month / year | — |
| Effective and marginal tax rate | — |
| Cost to employer per year | — |
| Versus 2025–26 slabs | — |
In short
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.
Who this is for: Salaried employees in Pakistan checking a payslip or offer, HR teams running payroll, and anyone comparing take-home under the 2026-27 slabs.
From gross to take-home in Pakistan (Tax Year 2027)
A Pakistani payslip has three standard deductions: income tax withheld under section 149 on the projected annual salary, EOBI (1% of the PKR 37,000 minimum wage — PKR 370 — with the employer paying 5%), and the provident fund contribution if the employer runs one (commonly 8.33%–10% of basic, matched). There is no national insurance or health levy; provincial social security is paid by the employer.
- TY2027 slabs (from 1 July 2026): nil to PKR 600,000; 1% to 1.2m; 11% to 2.2m; 20% to 3.2m; 25% to 4.1m; 29% to 5.6m; 32% to 7m; 35% above. The Finance Act 2026 split the old 23% and 30% bands into 20/25/29/32, which cuts tax for most salaries between PKR 2.2m and 7m.
- Surcharge removed for salaried: the 10% surcharge on incomes above PKR 10 million (s.4AB) no longer applies to salaried persons from TY2027.
- Exempt items: medical allowance up to 10% of basic (if no free medical), employer PF contributions within the Sixth Schedule limits, and reimbursements against receipts.
- Cost to employer: gross + 5% EOBI on minimum wage + PF match + medical insurance + provincial social security (6% of wages up to the ceiling in Punjab/Sindh) + gratuity accrual where applicable.
Assumptions
- Annual taxable salary = gross × 12 + bonus; tax at the TY2027 slabs (nil to 600k; 1%; 11%; 20%; 25%; 29%; 32%; 35% above 7m) ÷ 12 per month.
- EOBI employee 1% of the PKR 37,000 minimum wage (employer 5%); PF = basic (gross × basic %) × your rate, matched by the employer.
- Cost to employer = salary + bonus + EOBI 5% + PF match + medical; the 2025–26 comparison uses the six-band 1/11/23/30/35% slabs.
Worked example
Annual salary PKR 1,800,000 → tax = 6,000 + 11% × 600,000 = PKR 72,000 (PKR 6,000 a month; 4.0% effective, 11% marginal). EOBI PKR 370; PF 10% × 90,000 = PKR 9,000. Take-home PKR 134,630 a month. Cost to employer: 1,800,000 + EOBI 22,200 + PF match 108,000 + medical 30,000 = PKR 1,960,200. The same salary under the 2025–26 slabs paid the same PKR 72,000 — the 2026 cuts start above PKR 2.2 million.
Frequently asked questions
How much tax on a PKR 100,000 salary in Pakistan?
PKR 1,200,000 a year falls at the top of the 1% band: tax is PKR 6,000 a year — PKR 500 a month — for Tax Year 2027.
How much tax on PKR 200,000 per month?
PKR 2,400,000 a year → 116,000 + 20% × 200,000 = PKR 156,000 a year (PKR 13,000 a month), down from PKR 162,000 under the 2025–26 slabs.
What is the tax on a PKR 50,000 salary?
None — PKR 600,000 a year is within the tax-free threshold; EOBI (PKR 370) and any PF are the only deductions.
Is bonus taxed separately in Pakistan?
No — bonuses, allowances and arrears are added to salary and taxed at the slab rates for the year; employers usually withhold the extra tax in the month the bonus is paid.
Do salaried people have to file a tax return?
Yes if taxable income exceeds PKR 600,000 (or you own a car over 1000cc or property); the employer's withholding is credited and a return keeps you on the Active Taxpayers List, which halves most other withholding taxes.
How is EOBI calculated on salary?
On the minimum wage, not your actual salary: 1% from you (PKR 370) and 5% from the employer (PKR 1,850) a month, earning a pension of 2% of the insurable wage per year of service after 15 years.
What is the tax-free salary limit in Pakistan?
PKR 600,000 a year — PKR 50,000 a month — for Tax Year 2027; the first PKR 600,000 of everyone's salary is untaxed and the 1% band runs to PKR 1.2 million.
How much is a PKR 300,000 monthly salary after tax?
PKR 3.6 million a year → 316,000 + 25% × 400,000 = PKR 416,000 of tax (PKR 34,667 a month), leaving about PKR 265,000 a month before EOBI and PF.
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