Salary Tax & Take-Home Calculator 2026-27 (Private Sector)
Enter your monthly salary to see the income tax deducted, your take-home pay and how much you save under the new 2026-27 slabs. Uses the official FBR rates under the Finance Act 2026 — salary up to Rs 50,000 a month is tax-free.
| Item | Per month | Per year |
|---|---|---|
| Gross salary | Rs 249,192 | Rs 2,990,304 |
| Income tax (20% slab) | − Rs 22,838 | − Rs 274,061 |
| Take-home pay | Rs 226,354 | Rs 2,716,248 |
A 10% raise takes your gross to Rs 274,111. After tax you keep Rs 19,563 of the Rs 24,919 increase — new take-home Rs 245,917 a month.
Income tax for tax year 2027 (1 July 2026 – 30 June 2027) on the full year's salary. Employers deduct it in monthly instalments, so your actual monthly deduction can differ if your salary changed during the year. Bonuses are taxed in the same slabs.
Tax and take-home on common salaries (2026-27)
Monthly figures with no exempt allowances or other deductions.
| Monthly salary | Tax 2025-26 | Tax 2026-27 | Saving | Take-home |
|---|---|---|---|---|
| 40,000 | 0 | 0 | — | 40,000 |
| 50,000 | 0 | 0 | — | 50,000 |
| 75,000 | 250 | 250 | — | 74,750 |
| 100,000 | 500 | 500 | — | 99,500 |
| 150,000 | 6,000 | 6,000 | — | 144,000 |
| 200,000 | 13,500 | 13,000 | +500 | 187,000 |
| 250,000 | 25,000 | 23,000 | +2,000 | 227,000 |
| 300,000 | 38,833 | 34,667 | +4,167 | 265,333 |
| 400,000 | 71,750 | 62,000 | +9,750 | 338,000 |
| 500,000 | 106,750 | 92,000 | +14,750 | 408,000 |
| 750,000 | 194,250 | 177,000 | +17,250 | 573,000 |
| 1,000,000 | 307,108 | 264,500 | +42,608 | 735,500 |
Rupees per month. Tax rounded to the nearest rupee.
Income tax slabs for salaried persons 2026-27
| Annual taxable salary | Monthly equivalent | Tax |
|---|---|---|
| Rs 0 – 600,000 | 0 – 50,000 | Nil |
| Rs 600,000 – 1,200,000 | 50,000 – 100,000 | 1% of amount above Rs 600,000 |
| Rs 1,200,000 – 2,200,000 | 100,000 – 183,333 | Rs 6,000 + 11% of amount above Rs 1,200,000 |
| Rs 2,200,000 – 3,200,000 | 183,333 – 266,667 | Rs 116,000 + 20% of amount above Rs 2,200,000 |
| Rs 3,200,000 – 4,100,000 | 266,667 – 341,667 | Rs 316,000 + 25% of amount above Rs 3,200,000 |
| Rs 4,100,000 – 5,600,000 | 341,667 – 466,667 | Rs 541,000 + 29% of amount above Rs 4,100,000 |
| Rs 5,600,000 – 7,000,000 | 466,667 – 583,333 | Rs 976,000 + 32% of amount above Rs 5,600,000 |
| Above Rs 7,000,000 | Above 583,333 | Rs 1,424,000 + 35% of amount above Rs 7,000,000 |
- What changed: the 23% slab is now 20%, the 30% slab is now 25%, and two new slabs (29% and 32%) mean the top 35% rate starts at Rs 7 million instead of Rs 4.1 million.
- Surcharge abolished: the 9% surcharge on tax for salaries above Rs 10 million a year no longer applies.
- No change below Rs 2.2 million a year (about Rs 183,000 a month).
Minimum wage 2026-27 by province
| Province | Monthly minimum | Status |
|---|---|---|
| Sindh | Rs 43,000 | Announced in Sindh budget 2026-27 |
| Khyber Pakhtunkhwa | Rs 45,000 | Announced in KP budget 2026-27 |
| Punjab | Rs 40,000 | Notified Sept 2025; 2026-27 revision not yet found |
| Islamabad (ICT) | Rs 37,000 | 10% increase announced in federal budget 2026-27; new figure not yet notified |
| Balochistan | Rs 37,000 | Last reported rate; 2026-27 revision not yet found |
For unskilled adult workers, 26 working days a month. Provinces notify revised rates separately from their budgets; we update this table as notifications are issued.
Salary tax questions
How much tax is deducted from salary in 2026-27?
Salary up to Rs 600,000 a year (Rs 50,000 a month) is tax-free. Above that the rates are 1%, 11%, 20%, 25%, 29%, 32% and 35% on successive slabs, under the Finance Act 2026. For example, a Rs 100,000 monthly salary pays Rs 500 a month and Rs 200,000 pays Rs 13,000 a month.
What changed in the 2026-27 tax slabs?
Rates fell for annual incomes above Rs 2.2 million: the 23% slab became 20%, the 30% slab became 25%, and new 29% and 32% slabs were added so the 35% rate now starts at Rs 7 million instead of Rs 4.1 million. The 9% surcharge on incomes above Rs 10 million was abolished. Incomes below Rs 2.2 million pay the same as last year.
Is there a salary increase for private employees in 2026-27?
There is no automatic increase for private-sector staff; raises depend on your employer. The legal floor is the minimum wage, which provinces revise each year. Enter your expected raise in the calculator to see how much of it reaches your take-home pay after tax.
What is the minimum wage in Pakistan in 2026-27?
Sindh announced Rs 43,000 and Khyber Pakhtunkhwa Rs 45,000 a month in their 2026-27 budgets. Punjab's last notified rate is Rs 40,000. The federal budget announced a 10% increase for Islamabad; check the table on this page for the status of each province.
Is provident fund deducted before tax?
No. Your own provident fund contribution comes out of your salary after tax, so it lowers take-home pay but not the tax. Your employer's contribution is a separate benefit and is not part of the gross salary entered here.
Which allowances are tax-exempt?
Only allowances the law exempts — for example, medical allowance up to 10% of basic salary where no free medical treatment is provided. Your payslip or HR department can confirm which amounts your employer treats as exempt; enter that total in the optional field.
Official sources
- FBR Withholding Tax Rates Card — updated to 30 June 2026 as per Finance Act 2026 (section 149, salary)
- Tax year 2026 salary rates and surcharge (for the comparison)
This calculator is an independent guide, not tax advice. Your employer's payroll and the Income Tax Ordinance 2001 are the final authority.