Take Home Pay Calculator Pakistan
Find your exact net monthly salary after all deductions — income tax and provident fund.
FY 2026-27 (Tax Year 2027), effective 1 Jul 2026 to 30 Jun 2027. Slabs last verified against the source text on 17 Oct 2026.
- Source: Finance Act, 2026 (Gazette of Pakistan, Extraordinary, 26 June 2026): section 4AB proviso and First Schedule, Part I, Division I, clause (2) Table
- Source: Income Tax Ordinance, 2001, FBR Income Tax Manual Part I (amended up to 30 June 2026): section 4AB and First Schedule, Part I, Division I
Formula
Worked Example
Gross annual salary Rs. 1,200,000. Income tax (salaried, FY 2026-27 (Tax Year 2027)): Rs. 6,000. Provident fund: Rs. 54,000. Net annual pay = Rs. 1,200,000 − Rs. 6,000 − Rs. 54,000 = Rs. 1,140,000, or Rs. 95,000 a month.
How to Interpret the Result
For Pakistani salaried employees, the largest deductions are typically income tax and provident fund. PF contributions are effectively forced savings since they are often matched by employers and paid out at retirement or resignation. Your take-home percentage (net/gross) should be 75-85% for most salaried individuals.
Common Mistakes
1) Confusing gross salary with take-home pay when budgeting. 2) Not accounting for PF deductions. 3) Assuming the offer letter's gross salary is what hits your bank account. 4) Forgetting that non-salaried individuals don't have PF deductions. 5) Not negotiating allowances that may have different tax treatment.
Learn the Method
Free lessons that explain the ideas behind this calculator: