Your income tax and take-home pay, worked out on Pakistan's latest salaried income tax slabs — with a plain slab-by-slab breakdown.
The 2026–27 slabs changed what salaried taxpayers owe. The calculator compares both years at the same gross salary.
| FY 2025–26 | FY 2026–27 | Change | |
|---|---|---|---|
| Monthly tax | Rs 6,000 | Rs 6,000 | Same Rs 0 a month |
| Yearly tax | Rs 72,000 | Rs 72,000 | Same Rs 0 a year |
The comparison updates with the gross salary entered above. At annual gross salary up to Rs 2.2m, the two years are identical. The saving grows through the middle bands and increases again above Rs 10m because FY 2026–27 removed the prior surcharge.
Pakistan taxes salary progressively. This estimator treats the gross salary entered as taxable income, applies each band to the relevant slice, and adds the resulting amounts.
About Rs 13,000 a month—an effective rate of 6.5% even though the final slice is taxed at 20%.
The effective tax rate is total annual tax divided by annual gross salary. It describes the overall share paid, while a marginal rate applies only to the slice inside one band.
First calculate the normal annual income tax from every applicable salary band. Multiply that computed income tax by 9%, then add the result to the computed income tax to get total annual tax.
Surcharge = computed income tax × 9%At Rs 12,000,000 annual salary, computed income tax is Rs 3,381,000. The surcharge is Rs 304,290, making total annual tax Rs 3,685,290.
The surcharge is calculated annually. The calculator divides that annual surcharge by 12 when monthly results are selected, so it can be shown alongside estimated monthly tax. This is a planning and withholding view, not a separate monthly surcharge or tax band.
Monthly share = annual surcharge ÷ 12Rs 304,290 ÷ 12 = Rs 25,358 per month after rounding.
Threshold detail: At exactly Rs 10,000,000 of annual taxable income, no surcharge applies. Once income goes above that threshold, 9% is applied to the full computed income tax—not only to tax on the amount above Rs 10,000,000. This can create a one-off increase at the threshold. FY 2026–27 abolished the salaried surcharge.
Divide total tax for the year by annual gross salary.
Effective rate = total annual tax ÷ annual gross salaryThese are the salaried-individual bands used by the calculator. Salaried treatment applies when salary is more than 75% of taxable income.
Annual taxable income | Marginal rate |
|---|---|
Up to Rs 600,000 | 0% |
Rs 600,001–1,200,000 | 1% |
Rs 1,200,001–2,200,000 | 11% |
Rs 2,200,001–3,200,000 | 20% |
Rs 3,200,001–4,100,000 | 25% |
Rs 4,100,001–5,600,000 | 29% |
Rs 5,600,001–7,000,000 | 32% |
Above Rs 7,000,000 | 35% |
No salaried-income surcharge.
Salaried income tax bands are reset through the Finance Act, usually every June. Rates can move in either direction, so every figure on this page carries a fiscal-year label.
This history is context, not a forecast. Future Finance Acts can change the rates and thresholds.
The estimate is only as accurate as its assumptions. Review these before using the result for planning.
Sources were reviewed on 13 July 2026. Tax rules can change; re-check the current Finance Act before relying on this estimate.
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