Tax Year 2027 · Salaried Slabs · EOBI · Provident Fund

Salary Tax Calculator Pakistan 2026-27

Work out the income tax your employer should deduct each month and your take-home pay after EOBI and provident fund.

Salary & Deductions

Rs

Total monthly pay including allowances

Rs

From your payslip. If blank, gross is used.

Rs

Tax-free up to 10% of basic salary

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Enter your salary details to calculate your take-home pay.

📌 Deduction notes

  • Income tax: 2026-27 salaried slabs; first Rs 50,000/month tax-free
  • EOBI: 1% of minimum wage from you, 5% from employer
  • Medical: tax-free up to 10% of basic
  • PF: set by your employer's fund rules

Related

How it works

How take-home salary is calculated in Pakistan

Your take-home pay is your gross salary minus income tax and any deductions your employer makes for EOBI, provident fund or loans. The calculator follows the same order a payroll department does:

  1. Start with gross monthly salary (basic plus allowances).
  2. Remove the tax-free part of medical allowance (up to 10% of basic) to get taxable salary.
  3. Multiply by 12 and apply the 2026-27 salaried tax slabs to get annual tax, then divide by 12.
  4. Subtract monthly tax, your EOBI share and your provident fund contribution.

Why EOBI is the same on every salary

EOBI contributions are worked out on the minimum wage rather than your actual pay, so the employee share is a flat amount (currently Rs 400 a month on a Rs 40,000 minimum wage). It changes when the government revises the minimum wage, so check the figure on your payslip if it differs.

Provident fund and social security

Provident fund is set by your employer's fund rules — commonly 8.33% or 10% of basic salary from you, matched by the company. Provincial social security (PESSI, SESSI and similar) is an employer contribution for covered workers and is not normally deducted from your pay.

Want to see the tax for many salaries at once? The monthly salary tax table lists the 2026-27 tax for salaries from Rs 50,000 to Rs 1,000,000 a month.

Last reviewed: 3 October 2026 · Applies to: Tax Year 2027 (July 2026 – June 2027)

Sources

Estimates for planning only — not tax or religious advice. See our disclaimer, and tell us if you spot an error.

FAQ

Salary tax questions

How much tax is deducted from a Rs 100,000 salary in Pakistan?
On Rs 100,000 a month (Rs 1.2 million a year) the 2026-27 tax is Rs 6,000 a year, or Rs 500 a month, assuming the whole amount is taxable. Your take-home is lower again if EOBI or provident fund is deducted.
How is EOBI deducted from salary?
EOBI is charged on the minimum wage, not on your actual salary. The employee pays 1% and the employer 5%, so with a Rs 40,000 minimum wage the employee share is Rs 400 a month whether you earn Rs 50,000 or Rs 500,000. It funds an old-age pension from EOBI.
Are PESSI or SESSI deducted from my salary?
Normally no. Provincial social security (PESSI in Punjab, SESSI in Sindh and similar schemes elsewhere) is paid by the employer for covered workers. If your payslip still shows a deduction, enter it under 'Other monthly deductions'.
Is medical allowance taxable?
Medical allowance is exempt up to 10% of basic salary where the employer doesn't also provide free medical treatment or reimbursement. Any amount above 10% of basic is taxable. That is why the calculator asks for your basic salary.
Is provident fund deducted before or after tax?
Your own provident fund contribution comes out of your taxable salary — it does not reduce income tax. It is still your money, saved in the fund and paid back with profit when you leave or retire.
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