Calculate withholding tax on bank savings profit in Pakistan 2025. Section 151 deducts 15% for active filers and 35% for non-filers from bank account profit, fixed deposits, and National Savings returns.
Total profit received from savings account, FD, T-bills, or National Savings this year
Enter values above to see results
WHT rates per Finance Act 2025 (Section 151). This is a withholding tax — it is deducted at source by your bank. For active filers, this WHT is adjustable against your annual income tax liability. Verify your ATL status at fbr.gov.pk before relying on the 15% filer rate.
WHT = Gross Profit × Rate (15% filer / 35% non-filer)Gross ProfitTotal profit credited by bank before deduction15%WHT rate for active tax filers on FBR's ATL35%WHT rate for non-filers — 2.33× higher than filer rateUnder Section 151 of Pakistan's Income Tax Ordinance, banks deduct withholding tax from profit on savings accounts, fixed deposits, term finance certificates, and similar instruments before crediting the profit. For active filers (on FBR's Active Taxpayer List — ATL), the rate is 15%. Non-filers are penalised with a 35% rate. This tax is deducted at source — you receive the net amount directly.
Pakistan's Section 151 withholding tax on bank profits is one of the most impactful but least-understood taxes — non-filers silently lose 35% of every rupee earned on their savings account, while active filers pay only 15%. This calculator shows exactly how much tax your bank deducts from your profit and, critically, how much you could save by simply filing an income tax return.
Enter your annual bank profit (or expected profit) and select your filer status. The calculator applies the correct Section 151 WHT rate (15% for filers, 35% for non-filers), shows the net amount you receive, and — for non-filers — shows exactly how much extra tax they pay compared to a filer.
The bank credits Rs. 200,000 of profit on savings and fixed deposits over the year, and deducts Section 151 WHT at source.
A non-filer keeps Rs. 130,000 of the Rs. 200,000 profit; a filer keeps Rs. 170,000.
For a filer the 15% is adjustable in the annual return — for a non-filer the extra 20 points is simply lost.
A larger saver with Rs. 500,000 of profit for the year.
Filing the return saves Rs. 100,000 in a single year at this profit level.
This calculator makes the cost of not filing your tax return tangible. For many Pakistanis with significant savings, the tax savings from filing (Rs. 20,000 per Rs. 100,000 of bank profit) far exceed any perceived hassle. It's also useful for comparing net returns across savings instruments that have different gross rates.
Many bank customers don't realise 35% is being deducted from their savings profit — they assume a smaller deduction or none at all. Check your bank statement's profit crediting entries carefully: the gross profit and WHT deducted should both be visible. Also note: some banks show the net amount only, hiding the tax — always ask for a full profit statement.
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