Salary Take-Home Calculator
See exactly what lands in your account: gross salary minus income tax, EOBI and provident fund, with an annual view.
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How this is calculated
Take-home = gross − income tax − provident fund − EOBI.
Income tax is computed on annualised salary (gross × 12 + bonus) using the salaried slabs, then divided by 12, the same method employers use for monthly withholding under section 149.
Provident fund is the employee's own contribution, typically a percentage of basic salary (not gross). The employer usually matches it; that match is not shown because it never passes through your salary.
EOBI employee contribution is 1% of the federal minimum wage regardless of your salary.
Frequently asked questions
- Is provident fund taxable?
- Contributions to a recognised provident fund are exempt within limits, and withdrawals after the qualifying period are exempt. This calculator treats it as a deduction from cash, not as taxable income.
- Why is my bonus month different?
- Employers tax the bonus when it is paid. The calculator spreads it evenly to show a realistic average month.
- What about medical or conveyance allowance?
- Some allowances have partial exemptions. Enter your taxable gross for the most accurate figure.
Sources
- Finance Act 2026 (Gazette of Pakistan, 26 June 2026): First Schedule, Part I, Division I (salaried slabs; s.4AB surcharge withdrawn for salaried): Federal Board of Revenue
- EOBI contribution rates; federal minimum wage Rs 40,700 (Finance Act 2026, from 1 July 2026); minimum pension Rs 11,500 from 1 January 2025 (federal cabinet, reported by Dawn 1 Sep 2025): EOBI / Ministry of Finance
Version 1.0.0 · reviewed 15 Sept 2026. Rates change with the Federal Budget and regulator notifications; we update this tool when they do. Confirm with the primary source before making financial decisions.