Calculate Pakistan telecom withholding tax on mobile recharge/top-up for Jazz, Telenor, Zong, and Ufone. Enter your recharge amount to see exact tax deducted and usable balance.
Amount you are loading onto your SIM
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Tax = Recharge × WHT% | Balance = Recharge − TaxRechargeAmount loaded onto the SIM in Rs.WHT%Withholding tax rate: 15% for non-filers, 12.5% for active filersBalanceUsable airtime/balance after tax deductionPakistan's FBR levies withholding income tax on prepaid mobile top-ups under Section 236 of the Income Tax Ordinance. The tax is deducted at source by telecom operators before crediting the balance. Non-filers pay 15% WHT; active tax filers on the ATL pay 12.5%. This tax is adjustable in the annual income tax return for filers.
Every mobile top-up in Pakistan has a hidden cost: FBR's withholding tax (WHT) deducted before your balance is credited. Non-filers lose 15% of every recharge to tax — Rs. 150 on every Rs. 1,000 loaded. This calculator shows exactly how much tax is deducted from your recharge and what usable balance you actually receive, for all major Pakistani networks.
Enter your recharge amount and select your tax filer status. The calculator applies the applicable WHT rate (15% for non-filers, 12.5% for active filers on the ATL) and instantly shows the tax deducted and your net usable balance.
Loading Rs. 1,000 on a prepaid SIM without being on the Active Taxpayer List.
You get Rs. 850 of usable balance — Rs. 150 goes to the FBR as advance tax.
The same Rs. 1,000 recharge once you are on the ATL.
Rs. 875 usable — Rs. 25 more per Rs. 1,000, and the Rs. 125 is adjustable in your return.
Getting on the ATL (free at FBR's IRIS portal) cuts the rate from 15% to 12.5% on every recharge.
Knowing the effective tax rate helps you plan mobile spending and understand why your balance is always less than what you loaded. For heavy mobile users, the filer/non-filer difference of 2.5% adds up — on Rs. 2,000/month in top-ups, filing taxes saves Rs. 50/month (Rs. 600/year).
Many users don't realise their balance shortfall is a tax, not a network fee. The 15% WHT is government tax collected by the telecom operator on behalf of FBR — telecom companies do not keep this money. Also note: FED on service usage is separate and applies to actual call/data consumption, not the recharge itself.
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