Calculate monthly net take-home salary in Pakistan for FY2025-26. Deducts income tax (Finance Act 2025 slabs), EOBI, and optional provident fund. Instant PKR breakdown.
Total monthly CTC before any deductions
Typically 60–70% in Pakistani private sector
Enter values above to see results
Estimate only — based on Finance Act 2025 salaried slabs. SESSI/PESSI employee contribution shown as Rs. 40/month (nominal fixed rate — verify with your employer). Employer social security contributions are not deducted from your salary. Actual payslip may differ.
Net Salary = Gross − Income Tax − EOBI − SESSI/PESSI − Provident FundIncome TaxMonthly share of annual tax (Finance Act 2025 salaried slabs ÷ 12)EOBI1% of gross wages (employee portion, capped at Rs. 50,000 insurable)SESSI/PESSIProvincial social security employee contribution (Rs. 40/month — Punjab/Sindh only)Provident Fund8.33% or 10% of basic salary (if applicable)A Pakistani private-sector employee's net pay is gross salary minus statutory deductions: income tax, EOBI (1% employee contribution), provincial social security (PESSI for Punjab, SESSI for Sindh — Rs. 40/month employee share), and provident fund if applicable.
Understanding your actual take-home salary in Pakistan requires accounting for income tax, EOBI deductions, and provident fund contributions that most salary negotiation conversations ignore. This calculator applies the exact Finance Act 2025 income tax slabs, the current EOBI 1% employee contribution, and an optional provident fund deduction to give you a precise monthly net figure.
Enter your monthly gross salary and basic salary percentage (typically 60–70% of gross in Pakistan). Choose whether you're enrolled in a provident fund and whether EOBI applies. The calculator projects your annual salary, computes the annual tax using the FY2025-26 salaried slabs, divides by 12 for the monthly deduction, and subtracts all items to show net take-home.
| Deduction | Employee share |
|---|---|
| Income Tax | FY2025-26 salaried slabs ÷ 12 (see Pakistan Income Tax Calculator) |
| EOBI | 1% of wages, capped at Rs. 50,000/month insurable wage |
| PESSI (Punjab) | Rs. 40/month (fixed) |
| SESSI (Sindh) | Rs. 40/month (fixed) |
| Provident Fund | 8.33% or 10% of basic salary (optional, if enrolled) |
A private-sector employee on Rs. 150,000/month gross (Rs. 1,800,000/year), EOBI applicable, no provident fund, outside Punjab/Sindh.
Net take-home ≈ Rs. 139,500/month — an effective tax rate of 6.7%.
EOBI is capped at Rs. 500/month for anyone earning above Rs. 50,000, so tax is almost the entire deduction.
A manager on Rs. 300,000/month gross (Rs. 3,600,000/year), basic 60%, enrolled in an 8.33% provident fund, EOBI applicable, PESSI (Punjab).
Net take-home ≈ Rs. 238,633/month.
Provident fund is a deduction from your pay but it is your own retirement savings — your employer usually matches it.
Use this before negotiating a salary offer — always negotiate on gross and verify net. Also useful when comparing two offers with different gross/basic splits, since PF and some other benefits depend on basic salary. The effective tax rate view helps you understand the real cost of each additional rupee of income.
A frequent mistake is assuming the income tax slab rate equals the effective rate. Someone earning Rs. 200,000/month (Rs. 2.4M annual) is in the 25% marginal slab, but their effective rate is much lower because the first Rs. 2.2M is taxed at lower rates. Also note: EOBI deduction is small (Rs. 300–500/month for most earners) but the employer's 5% contribution is a significant benefit you receive without it showing as a deduction.
How to Calculate Your Take-Home Salary in Pakistan (Gross to Net)
What comes out of a Pakistani salary between gross and net — income tax (Finance Act 2025), EOBI, PESSI/SESSI and provident fund — with worked examples and a calculator.
Income Tax on Salary in Pakistan (FY2025–26): Slabs, Examples & How to Calculate
The FY2025–26 salaried income tax slabs (Finance Act 2025), worked examples for common salaries, marginal vs effective rate explained, and a free calculator.
Calculate monthly EMI for Pakistan home loans — conventional bank finance or Islamic Diminishing Musharakah. Shows monthly installment, total profit/interest, and full repayment breakdown in PKR.
Calculate Pakistan income tax for FY2025-26 using Finance Act 2025 slabs for salaried and non-salaried individuals. Instant breakdown: annual tax, monthly deduction, effective rate, and net take-home.
Calculate Zakat in Pakistan 2025. Enter your gold, silver, cash, investments, and debts to determine if you meet the nisab threshold and compute the exact 2.5% Zakat due in PKR.