Free Pakistan Income Tax Calculator 2026-27 — FBR Salary Tax Slabs & Monthly Deductions
Our free Pakistan income tax calculator for 2026-27 gives every salaried Pakistani an estimate of their FBR salary tax using the new Finance Act 2026 slabs (Tax Year 2027, 1 July 2026 – 30 June 2027) — monthly withholding tax, annual tax, effective tax rate and net take-home pay. You can also switch to business / non-salaried mode if you are a freelancer, shop owner or consultant.
Budget 2026-27 mein salaried class ko sab se zyada relief Rs. 22 lakh se upar ki income par mila hai: 22–32 lakh slab ka rate 23% se 20%, 32–41 lakh ka 30% se 25%, aur 41 lakh se upar ab teen naye slabs hain (29%, 32% aur 35%). Rs. 1 crore se zyada salary par lagne wala 9% surcharge bhi khatam kar diya gaya hai. Apni monthly salary enter karein, aur calculator turant aap ka tax batayega. Saal bhar ki planning ke liye hamara Zakat calculator bhi saath use karein.
Pakistan Income Tax Calculator 2026-27
FBR Finance Act 2025 · Salaried & Non-Salaried · Filer vs Non-Filer · Monthly Breakdown
FBR Income Tax Slabs 2026-27 — Salaried Persons (Finance Act 2026)
Ye slabs Tax Year 2027 (1 July 2026 se 30 June 2027) ke liye hain. Tax sirf us hisse par lagta hai jo kisi slab mein aata hai, poori income par ek hi rate nahi lagta.
| Annual taxable salary | Tax 2026-27 | Pichle saal (2025-26) |
|---|---|---|
| Up to Rs. 6,00,000 | 0% | 0% |
| Rs. 6,00,001 – 12,00,000 | 1% of amount above Rs. 6 lakh | Same |
| Rs. 12,00,001 – 22,00,000 | Rs. 6,000 + 11% above Rs. 12 lakh | Same |
| Rs. 22,00,001 – 32,00,000 | Rs. 1,16,000 + 20% above Rs. 22 lakh | 23% |
| Rs. 32,00,001 – 41,00,000 | Rs. 3,16,000 + 25% above Rs. 32 lakh | Rs. 3,46,000 + 30% |
| Rs. 41,00,001 – 56,00,000 | Rs. 5,41,000 + 29% above Rs. 41 lakh | Rs. 6,16,000 + 35% |
| Rs. 56,00,001 – 70,00,000 | Rs. 9,76,000 + 32% above Rs. 56 lakh | 35% |
| Above Rs. 70,00,000 | Rs. 14,24,000 + 35% above Rs. 70 lakh | 35% |
Misaal: Rs. 25 lakh saalana salary par tax = Rs. 1,16,000 + 20% of Rs. 3,00,000 = Rs. 1,76,000 (pichle saal Rs. 1,85,000).
Tax Filer vs Non-Filer — Pakistan 2026-27
Salary par income tax ke slabs filer aur non-filer dono ke liye same hain. Farq doosre transactions par lagne wale withholding tax mein hai: non-filers (jin ka naam FBR ki Active Taxpayers List mein nahi) ko bank profit, property kharidne/bechne, gaari registration aur kuch cash transactions par kaafi zyada withholding tax dena padta hai. Ye rates har budget mein badalte hain, is liye apne transaction se pehle FBR ka current withholding tax rate card zaroor check karein.
- Filer kaise banein: FBR IRIS portal (iris.fbr.gov.pk) par CNIC se register karein, return file karein. Simple salaried return aksar khud file ho jati hai.
- Active Taxpayers List: return file hone ke baad aap ka naam ATL mein aata hai, aur tab hi filer wale kam rates milte hain.
- IRIS account ke liye mazboot password banane ko hamara password generator use karein.
Tax-Exempt Allowances — Kya Tax-Free Hai, Kya Nahi (2026-27)
Bohat se log samajhte hain ke har allowance tax-free hai, lekin aisa nahi hai. Aam taur par:
- Medical allowance: basic salary ke 10% tak tax-free (agar employer alag se free medical treatment ya reimbursement nahi de raha). Is se zyada hissa taxable hai.
- House rent allowance (HRA): cash mein milne wala HRA aam taur par taxable hai aur salary ka hissa shumar hota hai.
- Conveyance / transport allowance: cash allowance aam taur par taxable hai. Agar employer gaari deta hai to us ki alag valuation hoti hai.
- Provident fund: recognised provident fund mein employer ka contribution salary ke 10% ya Rs. 1,50,000 saalana (jo kam ho) tak tax-free hai.
- Pension (VPS) aur kuch investments: in par tax credit mil sakta hai; limits aur shartein FBR ya tax adviser se confirm karein.
Upar wala calculator inhi rules ke mutabiq chalta hai: medical (10% tak) aur provident fund ki had tak hissa taxable income se nikalta hai, HRA aur conveyance ko taxable rakhta hai. Ye ek estimate hai; aap ki exact liability aap ke salary structure par depend karti hai.
Non-Salaried / Business Tax Slabs 2026-27
Agar aap freelancer, business owner ya consultant hain to non-salaried slabs lagti hain, jo salaried se kaafi zyada hain. Finance Act 2026 ne in slabs ko 2025-26 jaisa hi rakha hai:
| Annual taxable income | Tax |
|---|---|
| Up to Rs. 6,00,000 | 0% |
| Rs. 6,00,001 – 12,00,000 | 15% of amount above Rs. 6 lakh |
| Rs. 12,00,001 – 16,00,000 | Rs. 90,000 + 20% above Rs. 12 lakh |
| Rs. 16,00,001 – 32,00,000 | Rs. 1,70,000 + 30% above Rs. 16 lakh |
| Rs. 32,00,001 – 56,00,000 | Rs. 6,50,000 + 40% above Rs. 32 lakh |
| Above Rs. 56,00,000 | Rs. 16,10,000 + 45% above Rs. 56 lakh |
Daraz ya eBay par bechne wale apni business income ka andaza hamare Daraz profit calculator se laga sakte hain.
Monthly Salary Examples — Tax 2026-27
| Monthly salary | Tax per month (2026-27) | Tax per year | Saving vs 2025-26 (per year) |
|---|---|---|---|
| Rs. 50,000 | Rs. 0 | Rs. 0 | — |
| Rs. 1,00,000 | Rs. 500 | Rs. 6,000 | No change |
| Rs. 1,50,000 | Rs. 6,000 | Rs. 72,000 | No change |
| Rs. 2,00,000 | Rs. 13,000 | Rs. 1,56,000 | Rs. 6,000 |
| Rs. 3,00,000 | Rs. 34,667 | Rs. 4,16,000 | Rs. 50,000 |
| Rs. 5,00,000 | Rs. 92,000 | Rs. 11,04,000 | Rs. 1,77,000 |
Tax Year 2027 (FY 2026-27) ke salaried slabs: Rs. 6 lakh tak 0%; 6–12 lakh par 1%; 12–22 lakh par Rs. 6,000 + 11%; 22–32 lakh par Rs. 1,16,000 + 20%; 32–41 lakh par Rs. 3,16,000 + 25%; 41–56 lakh par Rs. 5,41,000 + 29%; 56–70 lakh par Rs. 9,76,000 + 32%; aur 70 lakh se upar Rs. 14,24,000 + 35%. Ye Finance Act 2026 ke mutabiq hain.
Rs. 22 lakh tak saalana salary walon ke liye koi farq nahi. Is se upar relief mila hai: 22–32 lakh slab 23% se 20%, 32–41 lakh slab 30% se 25%, aur 41 lakh se upar naye 29% aur 32% slabs. Rs. 1 crore se zyada salary par 9% surcharge bhi khatam ho gaya. Misaal: Rs. 3 lakh mahana salary par saalana tax takreeban Rs. 50,000 kam hai.
FBR ke IRIS portal (iris.fbr.gov.pk) par CNIC se registration karein, phir apni income tax return file karein. Return file hone ke baad aap ka naam Active Taxpayers List (ATL) mein aata hai, jis se banking, property aur gaari ke transactions par kam withholding tax lagta hai.
Medical allowance basic salary ke 10% tak tax-free hai, agar employer alag se free medical treatment ya hospital reimbursement nahi de raha. Is had se zyada medical allowance taxable hai. House rent aur conveyance allowance cash mein milein to aam taur par taxable hote hain.
Salary par income tax ke slabs dono ke liye same hain. Farq withholding tax mein hai: non-filers bank profit, property, gaari aur kuch doosre transactions par kaafi zyada withholding tax dete hain. Exact rates har saal budget mein badalte hain, is liye FBR ka current withholding tax rate card dekhein.
Freelancers aam taur par non-salaried slabs par aate hain: 6–12 lakh par 15%, 12–16 lakh par Rs. 90,000 + 20%, 16–32 lakh par Rs. 1,70,000 + 30%, 32–56 lakh par Rs. 6,50,000 + 40%, aur 56 lakh se upar Rs. 16,10,000 + 45%. IT aur software export income par alag (kam) rates lag sakte hain, is liye PSEB registration aur FBR ke rules check karein ya tax adviser se mashwara karein.
Employer par Section 149 ke tehat har mahine salary se tax kaatna lazmi hai. Agar tax nahi kata to saal ke akhir mein return file karte waqt baqi tax aap ko khud jama karwana hoga. Penalty se bachne ke liye apne HR ya finance department se baat karein.
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