Tax and Net Pay Calculator

Calculate your income tax and net take-home pay using official FBR tax slabs for 2025-2026

Enter Your Details

Select whether your income is monthly or yearly

Enter your total income before taxes

Enter any applicable deductions (e.g., business expenses)

Select your employment type and income source

Your Results

2025-2026

Based on FBR Tax Year 2025-2026

Calculating...

Important: These calculations are based on FBR tax slabs for Tax Year 2025-2026 (effective July 1, 2025). For export services, final tax rates apply (0.25% if PSEB registered, 1% if not registered). Tax rules may change, and individual circumstances vary. Always verify with FBR or consult a qualified tax professional for official calculations and filing.

How It Works

Understanding the Calculator

This calculator provides accurate tax calculations based on official FBR tax slabs for Tax Year 2025-2026. It calculates your income tax and net take-home pay using the progressive tax structure announced in the Federal Budget 2025-26. While the calculations are based on official rates, individual circumstances may vary, and this tool should not be used as a substitute for professional tax advice or official filing.

Income Conversion

If you enter monthly income, the calculator automatically converts it to yearly income by multiplying by 12. If you enter yearly income, it divides by 12 to show monthly amounts. This ensures all calculations are based on annual income, which is how tax slabs are typically structured.

Tax Calculation Process

  • Gross Income: Your total income before any deductions or taxes
  • Taxable Income: For local services and salaried individuals, this is gross income minus deductions. For export services, tax is calculated on gross income.
  • Tax Calculation: The calculator applies progressive tax slabs (2025-26) to your taxable income. Export services use final tax rates.
  • Net Income: Your take-home pay after subtracting estimated taxes

Tax Slabs for 2025-2026

Salaried Individuals:

  • Up to PKR 600,000: 0%
  • PKR 600,001 - 1,200,000: 1% on excess over 600,000
  • PKR 1,200,001 - 2,200,000: PKR 6,000 + 11% on excess over 1,200,000
  • PKR 2,200,001 - 3,200,000: PKR 116,000 + 23% on excess over 2,200,000
  • PKR 3,200,001 - 4,100,000: PKR 346,000 + 30% on excess over 3,200,000
  • Above PKR 4,100,000: PKR 616,000 + 35% on excess over 4,100,000

Freelancers - Local Services:

  • Up to PKR 600,000: 0%
  • PKR 600,001 - 1,200,000: 15% on excess over 600,000
  • PKR 1,200,001 - 1,600,000: PKR 90,000 + 20% on excess over 1,200,000
  • PKR 1,600,001 - 3,200,000: PKR 170,000 + 30% on excess over 1,600,000
  • PKR 3,200,001 - 5,600,000: PKR 650,000 + 40% on excess over 3,200,000
  • Above PKR 5,600,000: PKR 1,610,000 + 45% on excess over 5,600,000

Freelancers - Export Services (Final Tax):

  • PSEB Registered: 0.25% of gross income
  • Not Registered: 1% of gross income

Important Notes

This calculator uses the official FBR tax slabs for Tax Year 2025-2026 (effective July 1, 2025). Tax rules may change, and different rules may apply based on your specific situation, deductions, exemptions, and filing status. Always verify with FBR or consult a tax professional.

Gross Income: Your total earnings before any deductions or taxes are applied.

Net Income: The amount you take home after taxes and deductions. This is your actual disposable income.

Example Scenarios

Salaried Individual

Monthly Income: PKR 100,000

Yearly: PKR 1,200,000

Tax (2025-26): PKR 6,000

Net Income: PKR 1,194,000 yearly

Monthly Net: PKR 99,500

*Based on salaried tax slabs, no deductions assumed

Freelancer (Local Services)

Monthly Income: PKR 200,000

Yearly: PKR 2,400,000

Tax (2025-26): PKR 410,000

Net Income: PKR 1,990,000 yearly

Monthly Net: PKR 165,833

*Based on freelancer local services tax slabs, no deductions assumed

Freelancer (Export Services)

Monthly Income: PKR 500,000

Yearly: PKR 6,000,000

Tax (PSEB Registered): PKR 15,000 (0.25%)

Tax (Not Registered): PKR 60,000 (1%)

Net Income (Registered): PKR 5,985,000 yearly

*Export services use final tax rates on gross income

Frequently Asked Questions

Is this calculator for freelancers only? ▼
No, this calculator can be used by freelancers, self-employed individuals, and salaried workers in Pakistan. However, keep in mind that different tax rules and deductions may apply based on your employment type.
Does it use the latest FBR tax slabs? ▼
Yes, this calculator uses the official FBR tax slabs for Tax Year 2025-2026, which came into effect on July 1, 2025. The tax rates are based on the Federal Budget 2025-26. However, tax rules can change, so always verify with FBR or a tax consultant for the most current rates and any updates.
How accurate are the estimates? ▼
The estimates are approximate and should be used as a rough guide only. Actual tax calculations depend on many factors including specific deductions, exemptions, tax credits, and your individual circumstances. The calculator provides a general estimate but cannot account for all variables.
Is this an official calculator? ▼
No, this is not an official FBR calculator. It is an independent tool designed to provide approximate estimates. For official tax calculations and filing, you should use FBR's official resources or consult with a certified tax professional.
Does this work for Upwork and Fiverr income? ▼
Yes, you can use this calculator for income earned through platforms like Upwork, Fiverr, or any other freelancing platform. For international clients (export services), select "Freelancer (Export Services)" and indicate if you're registered with PSEB. For local Pakistani clients, select "Freelancer (Local Services)". Keep in mind that you may need to account for platform fees, payment processing fees, and other expenses as deductions for local services.
Do you save my data? ▼
No, we do not save, store, or transmit any of your personal information or calculation data. All calculations are performed locally in your browser. Your privacy is important to us.
Should I consult a tax advisor? ▼
Yes, we strongly recommend consulting with a qualified tax advisor or accountant, especially if you have complex income sources, significant deductions, or are unsure about your tax obligations. This calculator is for estimation purposes only and cannot replace professional tax advice.
How often do tax slabs change? ▼
Tax slabs and rates are typically announced in the annual budget, which is usually presented in June each year. However, changes can occur at other times as well. It's important to stay updated with FBR announcements and budget documents to ensure you're using the correct rates for your tax year.
What deductions can I claim? ▼
Common deductions for freelancers may include business expenses, office rent, equipment, software subscriptions, internet and phone bills (business portion), professional fees, platform fees, and other legitimate business expenses. Note: For export services, final tax rates apply on gross income, so deductions don't reduce the tax amount. For local services and salaried individuals, deductions reduce taxable income. The specific deductions you can claim depend on your circumstances and FBR rules. Consult a tax professional for guidance on eligible deductions.
Can I use this for tax filing? ▼
This calculator is for estimation purposes only and should not be used as the basis for official tax filing. For actual tax filing, you must use FBR's official tax return forms and follow their procedures. Always verify your calculations with official FBR resources or a tax professional before filing.

Important Disclaimer

This calculator provides approximate estimates only and is not financial, legal, or tax advice. Tax rules and rates change frequently, and actual tax calculations depend on many factors including your specific circumstances, deductions, exemptions, and the latest FBR regulations.

Always verify tax calculations with the Federal Board of Revenue (FBR) or consult with a qualified tax professional or accountant before making any tax-related decisions. The developers of this tool are not responsible for any errors, omissions, or decisions made based on the estimates provided.