Salary Calculator Pakistan
Calculate your net take-home salary after tax, EOBI, and provident fund deductions. Plan your monthly budget with accurate post-deduction figures.
How to use this calculator
- Enter your gross monthly salary
- Check EOBI if applicable (most private sector)
- Enter your Provident Fund percentage (if any)
- Add any other deductions (loans, insurance, etc.)
- Click Calculate to see net take-home
Real-world examples
Frequently asked questions
What is gross vs net salary in Pakistan?
Gross salary is your total agreed salary before any deductions. Net salary (take-home) is what you actually receive after income tax, EOBI, provident fund, and other deductions. The difference can be 5-30% depending on income level.
What is EOBI deduction?
EOBI (Employees Old-Age Benefits Institution) is a mandatory pension scheme for private sector. Rs. 370 is deducted from employee's salary monthly, with employer also contributing. Provides pension after retirement (age 60 for men, 55 for women).
Is Provident Fund mandatory in Pakistan?
PF is not mandatory by law but most large companies offer it. Typical employee contribution is 6-10% of basic salary, matched by employer. PF earnings are tax-exempt and provide retirement savings.
What deductions are typically made from Pakistani salary?
Common deductions: Income tax (per FBR slabs), EOBI (Rs. 370), Provident Fund (5-10% if applicable), Group insurance, Loan repayments, Advance recovery. Public sector also has GP Fund and Benevolent Fund.
How can I increase my take-home salary?
Optimize tax through VPS contributions (tax credit), claim approved tax deductions (Zakat, donations), structure salary with non-taxable allowances (medical Rs. 120,000/year exempt), and become a Filer to avoid extra taxes on transactions.
Are bonuses taxed differently in Pakistan?
No, bonuses are added to your annual salary and taxed at your applicable slab rate. If a bonus pushes you into a higher slab, only the portion above the threshold pays the higher rate.
What is the medical allowance exemption?
Medical allowance up to Rs. 10,000 per month (Rs. 120,000 annually) or 10% of basic salary (whichever is lower) is tax-exempt. Many employers structure salary to maximize this benefit.
How is overtime taxed in Pakistan?
Overtime pay is fully taxable at your regular slab rate. Some employers calculate it separately at higher rates as per labor law (1.5x to 2x of normal hourly rate), but tax treatment is the same.