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From gross pay to take-home

Enter your monthly gross, the part that is tax-exempt, your provident fund share and the other deductions: the breakdown shows the income tax by the FBR slabs, each deduction and what reaches your account, for the month and for the year.

Works on this device: nothing you type is stored or sent.

Gross

Gross salary a month (Rs)

Tax-exempt allowances a month (Rs)

What your employer treats as exempt, such as a medical allowance within its limit. Leave empty if you are not sure.

Basic pay a month (Rs)

The provident fund is usually a share of basic pay. Leave empty to use the gross.

Your provident fund share (% of basic)

Your contract or HR letter has the rate. The employer’s matching share is not deducted from you.

Other deductions a month (Rs)

EOBI, a loan instalment, insurance: whatever else the slip takes off.

Tax year

The result

	A month	A year
Gross
Income tax
Provident fund
Other deductions
Take-home

Enter your gross salary to see the breakdown.

Your provident fund share is yours: it comes back with the employer’s share when you leave.

This tool runs with scripts. With scripts off, the tables and the formulas on this page let you work it out by hand.

Good to know

The tax is the salaried rate on twelve months of the taxable part, divided by twelve; a bonus or a raise during the year changes the monthly deduction.
A provident fund share is not a cost: it is savings you cannot touch yet.
Negotiating an offer? Ask for the gross, the basic as a share of it, the fund rate and the medical cover: the same gross can mean different take-homes.

Sources

Federal Board of Revenue (FBR) Pakistan’s tax authority: the Income Tax Ordinance, each year’s Finance Act, the IRIS portal for returns, and the withholding tax rates.

Figures checked on Oct 12, 2026.

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