Pakistan Salary Tax Calculator 2026-27 (Old vs New Slab Bachat)
FBR salary tax + Rs bachat vs FY 2025-26. New 2026-27 slabs, 9% surcharge abolished for salaried. FBR IRIS portal live, deadline 30 Sep 2026.
About the Pakistan Salary Tax Calculator 2026-27 (Old vs New Slab Bachat)
Free Pakistan FBR Salary Tax Calculator for the Finance Bill 2026-27 (effective 1 July 2026). Shows your exact annual tax + monthly deduction + take-home + Rs savings vs FY 2025-26 slabs (Aap ki bachat card). Supports FY 2026-27, FY 2025-26, and FY 2024-25 for back-return comparison. New 2026-27 slabs: 0 percent up to Rs 600,000, 1 percent to Rs 1.2M, 11 percent to Rs 2.2M (Rs 6,000 fixed + excess at rate), 20 percent to Rs 3.2M (was 23 percent), 25 percent to Rs 4.1M (was 30 percent), 29 percent to Rs 5.6M (was 35 percent), 32 percent to Rs 7M (NEW slab), 35 percent above Rs 7M. Section 4AB 9 percent surcharge ABOLISHED for salaried individuals in Budget 2026-27 (was applied above Rs 10M taxable income in FY 2025-26). Full slab-by-slab progressive breakdown showing income in each slab and tax marginal-computed. FBR IRIS portal opened for FY 2025-26 return filing on 27 July 2026; deadline 30 September 2026 with Rs 1,000 minimum late-filing penalty per FBR notification. Built for Pakistani salaried professionals planning FY 2026-27 tax cuts, freelancers earning local salary, fresh graduates evaluating job offers, and salaried filers checking employer deductions during the FY 2025-26 to FY 2026-27 transition. Verified against FBR published rate tables + Finance Bill 2026-27 SRO effective 1 July 2026.
File your FY 2025-26 income tax return on FBR IRIS. Late filing (after 30 Sep) attracts Rs 1,000 minimum penalty + moves you off the Active Taxpayer List (ATL), doubling your WHT on car, property, banking and electricity bill transactions.
Effective from 1 July 2026.
Enter your gross salary before tax. We compute progressive FBR slab tax + Section 4AB surcharge if your annual taxable income exceeds PKR 1 crore.
Effective tax rate: 6.50%
| Tax year | Annual tax | Monthly tax | Take-home annual |
|---|---|---|---|
| YouFY 2026-27 | Rs 156,000 | Rs 13,000 | Rs 2,244,000 |
| FY 2025-26 | Rs 162,000 | Rs 13,500 | Rs 2,238,000 |
| FY 2024-25 | Rs 230,000 | Rs 19,167 | Rs 2,170,000 |
Comparison FY 2025-26 (Finance Act 2025) vs FY 2026-27 (Finance Bill 2026) par based hai, dono ke slabs pakistan-tax-slabs.ts me FBR official notification se cross-checked hain. Aap ki actual bachat depend karti hai on filer status, allowances aur rebates par.
| Slab | Income in slab | Rate | Tax |
|---|---|---|---|
| 1 to 600,000 | Rs 600,000 | 0% | Rs 0 |
| 600,001 to 1,200,000 | Rs 600,000 | 1% | Rs 6,000 |
| 1,200,001 to 2,200,000 | Rs 1,000,000 | 11% | Rs 110,000 |
| 2,200,001 to 3,200,000 | Rs 200,000 | 20% | Rs 40,000 |
| Slab tax subtotal | Rs 156,000 | ||
| Total annual tax | Rs 156,000 | ||
Slab data as of: Q3 2026 (Finance Bill 2026-27 announced 12 June 2026, effective 1 July 2026). Pakistan FBR salaried individual tax slabs verified against the Finance Act for the selected tax year. Confirm current notification on the official FBR website before filing.
Important notes: This calculator uses progressive slab math (each slab's marginal rate applies only to income WITHIN that slab, not to total income). Tool covers SALARIED individuals only. Business income, AOP income, and rental income use different schedules. Filer vs non-filer status does not change the salary tax slab itself, only specific withholding rates on transactions like property, vehicles, and electricity bills.
- 1Verify tumhari salary certificate (Form 16 equivalent)
Employer se annual salary certificate lo jismein gross salary + total tax deducted at source (TDS) shown ho. Ye calculator ka annual tax number employer ke certificate se match karna chahiye plus-minus Rs 5,000-10,000 (rebate variations).
- 2Open FBR IRIS portal aur salary return start karo
iris.fbr.gov.pk pe CNIC + password se login karo. "Declaration" > "Salaried Individual Return" select karo. Employer, salary breakup, TDS, aur wealth statement fields fill karo. Aik salaried return usually 30-45 minutes leta hai.
- 3Wealth statement banao (assets + liabilities)
Cash + bank balance + gold + property + vehicles minus loans = net worth. Previous year vs current year reconciliation (increase = income + gifts + inheritance - expenses). Confusing hissa yahi hai for first-time filers, dedicated guide coming soon on Toolsfluent.
- 4Submit + confirm ATL entry
Submit karne ke baad 10-14 din me FBR ATL par tumhara CNIC appear hoga (atl.fbr.gov.pk pe check karo). Filer status confirmed = WHT rates half + Section 235 exemption on electricity bill (over Rs 25k) + property/vehicle transfer WHT half.
Filer benefits (kyun file karna zaroori hai)
Filers ki electricity bill par 0 percent Section 235 WHT (vs 7.5 percent for non-filers on bills over Rs 25k). Bank cash withdrawal WHT 0 percent (vs 0.6 percent for non-filers on withdrawals over Rs 50k). Property transfer WHT halved. Vehicle token tax (Section 234) halved. Typical Pakistani household saves Rs 20,000-50,000 per year just from filer status alone.
How to use the Pakistan Salary Tax Calculator 2026-27 (Old vs New Slab Bachat)
- Select the tax year: FY 2026-27 (Finance Bill 2026-27, effective 1 July 2026) is the default since the Federal Budget 2026-27 announced significant tax cuts and abolition of the 9% surcharge on salaried individuals. Switch to FY 2025-26 for tax payable on income earned during the still-ongoing fiscal year (until 30 June 2026), or FY 2024-25 for back returns.
- Pick salary frequency: Monthly if you enter your monthly gross salary, Annual if you enter the full year amount.
- Type your gross salary in the input box. We auto-format with thousand-grouping commas as you type. Use the gross figure BEFORE any tax deduction.
- Read the breakdown: gross monthly / annual, monthly + annual tax deducted, take-home monthly / annual (highlighted in green), and effective tax rate. The visual bar shows take-home % versus tax %.
- For FY 2026-27, the 9% Section 4AB surcharge that previously applied above PKR 10 million has been ABOLISHED for salaried individuals. For FY 2025-26 and 2024-25, surcharge still applies (9% and 10% respectively). The slab-by-slab table shows the full breakdown for transparency.
Frequently Asked Questions
Sources
Rates, slabs and formulas used in this calculator are cross-checked against the following official sources. Always verify the latest number on the original page before making a financial decision.
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