Salary Calculator Pakistan 2024-25 — Gross to In-Hand (PKR)

Income tax is deducted monthly from your salary

In Pakistan, salary tax is withheld by your employer from each month's pay rather than being paid in one instalment at year end. The employer works from your projected annual salary and the Finance Act 2024 salaried slabs, then deducts a share each month. Withholding is adjustable rather than final: it is credited against your annual liability, and a return is still filed, so a mid-year raise, a change of employer or a period of unemployment can leave you owing a little more or due a refund.

This calculator applies EOBI and income tax

The calculator deducts two items from your gross salary. First, EOBI (Employees' Old-Age Benefits Institution) is withheld at a flat rate of PKR 130 per month. Second, income tax is calculated using Finance Act 2024 salaried slabs: 0% on the first PKR 600,000 annually; 5% to PKR 1,200,000; 15% to 2,200,000; 25% to 3,200,000; 30% to 4,100,000; and 35% above.

This model does not include other deductions found in real payslips: provident fund contributions, group health insurance, provincial PESSI or SESSI dues, or employer-specific schemes. If your actual take-home is lower than the calculator shows, those extra items account for the difference. Confirm with your payroll department which deductions apply to your salary.

Your salary package and taxable income

Pakistani employers often separate basic pay from allowances: house rent allowance (HRA), conveyance, and medical allowance. Enter your total taxable salary into this calculator, not the basic component alone. Some allowances receive tax concessions under ordinance rules, but this calculator applies a standard model. Sum the salary and allowances subject to full tax and enter that figure; the result is your estimated take-home before any additional voluntary deductions.

The tax year runs July to June

Pakistan's tax year begins 1 July and ends 30 June of the following year, which catches out anyone used to a January start and matters when comparing a mid-year job change. To see how marginal and effective rates differ across the slabs, use the income tax calculator; for the sales-tax side of a business, the GST calculator covers the federal and provincial split.

Confirm all figures with your payroll department or the Federal Board of Revenue (FBR). This calculator is a guide only, not official tax advice.