# Salary tax calculator Pakistan 2026-27 — take-home pay

Source page: https://valem.run/calculators/pakistan/net-salary

Your take-home salary in Pakistan for tax year 2026-27 is your pay minus income tax at the salaried rates of the Finance Act 2026 — nothing on the first Rs600,000 of the year, then 1% rising to 35% above Rs7 million — and, if you are insured with EOBI, 1% of the minimum wage each month.

**Tax year:** 2026-27

## How it is calculated

Tax year 2026-27 runs from **1 July 2026 to 30 June 2027**. The **Finance Act 2026** replaced the salaried table in clause (2) of Division I of Part I of the First Schedule to the Income Tax Ordinance 2001. It applies where salary is more than 75% of your taxable income: **0%** up to Rs600,000, then **1%**, **11%**, **20%**, **25%**, **29%**, **32%** and **35%** on bands that break at Rs1.2 million, Rs2.2 million, Rs3.2 million, Rs4.1 million, Rs5.6 million and Rs7 million. The same Act withdrew the 9% surcharge on salaried individuals above Rs10 million (s.4AB).

On **Rs200,000 a month** the year’s salary is Rs2,400,000 and income tax is **Rs156,000** — Rs6,000 + 11% of Rs1 million + 20% of Rs200,000 — or Rs13,000 a month. With EOBI at 1% of the Rs40,700 minimum wage, take-home is **Rs186,593** a month.

The employee’s EOBI share is 1% of the wages the EOBI Act counts, which are the declared minimum wage, not your salary (ss.2(p), 9B). No 2026-27 notification under the 1969 Ordinance was found, so the Rs40,700 default (the federal civil employees’ pay floor) is a placeholder: use the wage on your EOBI statement. EOBI covers employers with five or more staff and stops at 60 (55 for a woman). Provincial social security is paid by the employer alone. Tax credits and reductions, zakat and super tax above Rs500 million are not modelled. Estimate, not tax advice.

## Worked example

With Gross monthly salary of 200,000, this model computes Net / month of 186,593 PKR.

## Inputs

| Name | Label | Type |
| --- | --- | --- |
| `grossMonthly` | Gross monthly salary (PKR) | number |
| `annualBonus` | Bonus for the tax year (PKR) | number |
| `eobiInsured` | Insured with EOBI (employee share 1% of the minimum wage) | boolean |
| `eobiMinimumWage` | Minimum wage EOBI charges on (PKR / month) | number |

## Sources

- [Income Tax Ordinance 2001 (FBR, amended to 30 June 2026), First Schedule Pt I Div I(2)](https://download1.fbr.gov.pk/Docs/2026724177725705IncomeTaxOrdinanace2001.pdf) (checked 2026-11-01)
- [Finance Act 2026 (Gazette, 26 June 2026): new salaried table, s.4AB surcharge withdrawn](https://download1.fbr.gov.pk/Docs/20266291261044366FinanceAct2026.pdf) (checked 2026-11-01)
- [EOBI Act 1976 s.9B: insured person pays 1% of wages](https://pakistancode.gov.pk/english/UY2FqaJw1-apaUY2Fqa-bpuUY2Rt-sg-jjjjjjjjjjjjj) (checked 2026-11-01)
- [Finance Division OM, 21 Aug 2026: federal civil employees’ pay floor Rs40,700 (not an EOBI wage)](https://www.finance.gov.pk/circulars/circular_21082026.pdf) (checked 2026-11-01)

## What this page claims

The Valem engine reproduces this model's formula through 8 self-test cases. That shows internal consistency, not that the formula matches current law; the cited sources are the evidence for that. Estimate, not tax advice.

## For agents

- Model manifest (formula, constants, test vectors): https://valem.run/calculators/pakistan/net-salary.json
- Compute by URL: https://valem.run/calculators/pakistan/net-salary.json?grossMonthly=200000
- MCP: https://valem.run/mcp/calculators (call `calculate` with calculator `pakistan/net-salary`)