Pakistan Salary Calculator
Calculate take-home salary after income tax in Pakistan
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Need a fast answer on calculating take-home salary after income tax in Pakistan? Pakistan Salary Calculator answers with the steps beside it. Fill in Gross Monthly Salary (PKR), Tax Rate (%) and Provident Fund (%) on Pakistan Salary and read your answer immediately. Nothing in Pakistan Salary is a black box. Pakistan Salary shines when speed matters. No sign-up is needed for Pakistan Salary. The math runs on your device. Pakistan Salary sits in the Regional section next to free online pakistan salary calculator and take home salary pak. Pakistan Salary goes from question to answer fast. Open Pakistan Salary and enter your numbers.
What the defaults leave
On PKR 100,000 gross a month, a 10% tax rate costs PKR 10,000 and a 5% provident fund contribution PKR 5,000, leaving PKR 85,000 a month — PKR 1,020,000 a year.
Two deductions do most of the work on a Pakistani payslip: income tax withheld at source and the employee share of the provident fund. Everything else — EOBI, group insurance, loan recovery — is small by comparison.
The arithmetic
Take-home = gross − (gross × tax rate) − (gross × provident rate).
100,000 − 10,000 − 5,000 = 85,000. The annual figure is twelve times that, PKR 1,020,000, before any bonus.
Worked example
Gross PKR 100,000.
Tax at 10% = PKR 10,000.
Provident fund at 5% = PKR 5,000.
Take-home = PKR 85,000/month, or PKR 1,020,000/year.
How the real tax differs from a flat rate
Pakistan taxes salaried income on slabs, not one flat percentage. A single flat rate is a planning shortcut: it is close for mid-range salaries and misleading at the extremes, because the marginal rate applies only to the slice of income in that band, and the effective rate is always lower than the marginal one.
Deductions also reduce taxable income in ways a flat rate cannot show. A recognised provident fund is exempt up to the statutory limit, and the employer’s contribution is taxed only when it exceeds that limit — so the 5% on this page is a cash-flow deduction, not pure tax.
Where the money goes
- Income tax. Withheld monthly by the employer under the salaried regime; the annual return then reconciles it.
- Provident fund. Your contribution, matched by the employer, and it is your money — it accumulates with interest until you leave or retire.
- EOBI. A small fixed contribution for registered employers, not a percentage of salary.
- Other deductions. Group life insurance, loan instalments and any salary advance sit on top and are not modelled here.
Mistakes worth avoiding
- Treating the flat tax rate as your slab rate. Enter the effective rate — total tax ÷ total income — if you want the take-home figure to match your payslip.
- Counting the provident fund as lost income. It is deferred, not spent.
- Forgetting that a bonus month is taxed at a higher marginal rate than a normal month.
- Comparing take-home figures across employers without comparing the gross and the benefits behind them.
Frequently Asked Questions
Why does PKR 100,000 gross leave PKR 85,000?
Because 10% tax (PKR 10,000) and a 5% provident fund contribution (PKR 5,000) are deducted, and 100,000 − 15,000 = 85,000. Only the two deductions the page models are subtracted.
Is the provident fund a tax?
No — it is your own contribution to a retirement account, usually matched by the employer, and it earns interest. It reduces this month’s cash but it is still your money.
Should I enter my slab rate or my effective rate?
Enter the effective rate — total annual tax divided by total annual income — if you want the result to match your net pay. Slab rates apply only to the slice of income inside each band.
Does this include EOBI?
No. EOBI is a small fixed monthly contribution for registered employers rather than a percentage of salary, so it is not part of the percentage inputs here.
How do I work out the annual take-home?
Multiply the monthly figure by twelve: PKR 85,000 × 12 = PKR 1,020,000. A bonus month is taxed at a higher marginal rate, so twelve times a normal month slightly overstates the true annual total.
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