Bank Profit Calculator Pakistan
Work out the profit on a savings account or term deposit (TDR) and how much the bank deducts as withholding tax — 20% for filers, 40% for non-filers.
Deposit Details
Use the rate your bank quotes for your account
How tax on bank profit works in Pakistan
When your bank credits profit to a savings account, term deposit or certificate, it first deducts withholding tax under Section 151 of the Income Tax Ordinance and deposits it with FBR in your name. The rate depends only on whether you are on the Active Taxpayers List on the date the profit is paid.
Net profit = deposit × rate × (months ÷ 12) × (1 − 20% or 40%)
Example: Rs 2,000,000 in a 1-year term deposit at 10%
Gross profit is Rs 200,000. A filer has Rs 40,000 deducted and receives Rs 160,000. A non-filer has Rs 80,000 deducted and receives Rs 120,000 — Rs 40,000 less on the same deposit.
Is the tax final?
For individuals and AOPs whose yearly profit is up to Rs 5 million, the deduction is a final tax: you declare the profit in your return but don't pay more on it, and you can't claim it back. Above Rs 5 million, the deduction becomes an advance tax adjusted in your return. If you missed being on the ATL when profit was paid, see our guide to restoring filer status.
Monthly profit on 5 lakh, 10 lakh, 50 lakh and 1 crore
At an illustrative 10% a year (your bank's rate will differ — enter it in the calculator above):
| Deposit | Profit a month | Filer keeps | Non-filer keeps |
|---|---|---|---|
| Rs 5 lakh | Rs 4,167 | Rs 3,333 | Rs 2,500 |
| Rs 10 lakh | Rs 8,333 | Rs 6,667 | Rs 5,000 |
| Rs 25 lakh | Rs 20,833 | Rs 16,667 | Rs 12,500 |
| Rs 50 lakh | Rs 41,667 | Rs 33,333 | Rs 25,000 |
| Rs 1 crore | Rs 83,333 | Rs 66,667 | Rs 50,000 |
Bank deposit or National Savings?
Profit on National Savings certificates is taxed at 15% for filers and 30% for non-filers — less than the 20% / 40% on bank deposits — and Behbood, Pensioners' Benefit and Shuhada accounts are capped at 5%. Compare the after-tax figures with the National Savings profit calculator.
Last reviewed: 8 November 2026 · Applies to: Tax Year 2027
Profit rates differ by bank, account and balance, and change with the SBP policy rate. Confirm your rate with your bank.
Sources
- FBR Withholding Tax Rate Card, Tax Year 2027 (Section 151)
- Income Tax Ordinance 2001, Section 151 and First Schedule, Division IA of Part III (Finance Act 2026)
- State Bank of Pakistan — monetary policy statements
Estimates for planning only — not tax or religious advice. See our disclaimer, and tell us if you spot an error.