When a job advert says "Rs 150,000 a month", the number that matters to your household budget is what remains after tax. This chart answers that question for thirteen common salary levels using the income tax slabs in force from 1 July 2026. Find your gross monthly salary in the first column and read across for your estimated tax and take-home pay.
Take-home pay chart for FY 2026-27
| Monthly gross | Income tax / month | Take-home / month | Effective tax rate | Take-home / year |
|---|---|---|---|---|
| Rs 50,000 | Rs 0 | Rs 50,000 | 0.0% | Rs 600,000 |
| Rs 60,000 | Rs 100 | Rs 59,900 | 0.2% | Rs 718,800 |
| Rs 75,000 | Rs 250 | Rs 74,750 | 0.3% | Rs 897,000 |
| Rs 100,000 | Rs 500 | Rs 99,500 | 0.5% | Rs 1,194,000 |
| Rs 125,000 | Rs 3,250 | Rs 121,750 | 2.6% | Rs 1,461,000 |
| Rs 150,000 | Rs 6,000 | Rs 144,000 | 4.0% | Rs 1,728,000 |
| Rs 200,000 | Rs 13,000 | Rs 187,000 | 6.5% | Rs 2,244,000 |
| Rs 250,000 | Rs 23,000 | Rs 227,000 | 9.2% | Rs 2,724,000 |
| Rs 300,000 | Rs 34,667 | Rs 265,333 | 11.6% | Rs 3,184,000 |
| Rs 400,000 | Rs 62,000 | Rs 338,000 | 15.5% | Rs 4,056,000 |
| Rs 500,000 | Rs 92,000 | Rs 408,000 | 18.4% | Rs 4,896,000 |
| Rs 750,000 | Rs 177,000 | Rs 573,000 | 23.6% | Rs 6,876,000 |
| Rs 1,000,000 | Rs 264,500 | Rs 735,500 | 26.5% | Rs 8,826,000 |
Figures are for federal income tax on salary only and assume that salary is your only taxable income. They do not include provident fund, EOBI, insurance premiums, loan recoveries or professional taxes that your employer may deduct.
How to read the chart
The "effective tax rate" column is the single most useful number. It shows tax as a share of gross pay, which is far lower than the top marginal rate you may have heard about. At Rs 100,000 a month the effective rate is only 0.5%. It climbs to about 6.5% at Rs 200,000, 9.2% at Rs 250,000 and 11.6% at Rs 300,000, and it passes 20% only for monthly salaries above roughly Rs 567,000. For most salaried professionals, tax is a modest slice of pay rather than the heavy burden that the headline slab rates suggest.
The tax-free zone: up to Rs 50,000 a month
Annual taxable income up to Rs 600,000 is exempt. If you earn Rs 50,000 a month or less, your income tax is nil, and your take-home equals your gross salary before other deductions. Between Rs 50,000 and Rs 100,000 a month, the 1% slab applies only to the amount above Rs 50,000. At Rs 75,000 a month the annual salary is Rs 900,000, so 1% of the Rs 300,000 above the exemption gives Rs 3,000 a year, or Rs 250 a month.
Using the chart to compare job offers
Suppose you have two offers: Rs 180,000 a month with no benefits, and Rs 165,000 a month with a provident fund and medical cover. At these levels the income tax difference is small, so the better offer depends mostly on the benefits. Pricing benefits in rupees, such as the employer's provident fund contribution, annual medical allowance and any fuel or transport support, lets you compare total compensation rather than the gross headline. Use the salary tax calculator for amounts that are not in the chart.
What the numbers mean for budgeting
A simple household budgeting rule is to plan around take-home pay, not gross. If your take-home is Rs 227,000, you might allocate roughly half to essentials such as rent, utilities, food and transport, a quarter to savings and debt reduction, and the remainder to discretionary spending. Rents and transport differ greatly between cities, so check our salary by city pages to see how pay compares in the place you live or plan to move to.
Take-home pay for popular jobs
To see how the chart applies to real careers, here is the estimated take-home pay at the national average salary for eight popular roles in our data. Averages are estimates compiled from general market observation, so use them as a guide and check your own city on the role's page.
| Job | Average gross / month | Tax / month | Take-home / month | Effective rate |
|---|---|---|---|---|
| Software Engineer | Rs 108,333 | Rs 1,417 | Rs 106,916 | 1.3% |
| Accountant | Rs 46,500 | Rs 0 | Rs 46,500 | 0.0% |
| Civil Engineer | Rs 65,916 | Rs 159 | Rs 65,757 | 0.2% |
| Digital Marketing Executive | Rs 54,250 | Rs 42 | Rs 54,208 | 0.1% |
| General Physician | Rs 85,250 | Rs 352 | Rs 84,898 | 0.4% |
| School Teacher | Rs 32,416 | Rs 0 | Rs 32,416 | 0.0% |
| Sales Executive | Rs 42,666 | Rs 0 | Rs 42,666 | 0.0% |
| Customer Support Representative | Rs 35,000 | Rs 0 | Rs 35,000 | 0.0% |
The pattern is clear: most salaried professionals in the middle of the pay range lose only a small share of income to tax, while roles near the top pay a higher share. A job that appears on a lower gross salary may still leave you with similar take-home pay once other deductions and benefits are considered.
Deductions on your payslip besides income tax
Income tax is only one of several deductions. Provident fund contributions are usually a percentage of basic pay deducted from your salary and matched by the employer, so they are savings rather than a cost. EOBI contributions fund old-age pensions for eligible workers. Loan or advance recoveries repay money borrowed from the employer, and insurance or medical premiums may be deducted if you pay for family cover. Some provinces levy a small professional tax. When you compare take-home pay with a friend, check whether you are both looking at the same set of deductions.
Common mistakes when reading a salary offer
- Confusing gross and net. Always ask whether the figure quoted is before or after tax.
- Ignoring allowances. A package with generous medical, fuel and housing support can be worth more than a higher cash salary.
- Forgetting annual changes. Tax slabs and minimum wages change every budget, so recheck your net pay each July.
- Assuming a bonus is taxed separately. Bonuses are generally added to annual taxable income.
How to estimate take-home pay for any salary
If your salary is not in the chart, you can estimate it in a minute. Multiply the monthly figure by twelve, find the slab, take the fixed amount for that slab and add the rate on the portion above its lower limit, then divide the answer by twelve. For instance, a monthly salary of Rs 180,000 is Rs 2,160,000 a year. That falls in the 11% slab, so tax is Rs 6,000 plus 11% of Rs 960,000, which is Rs 111,600 a year, or Rs 9,300 a month, leaving Rs 170,700. The calculator on our site does the same arithmetic instantly and updates automatically when the slabs change.
See what your job pays
If you do not know where your salary stands, look up your role in the salary by job pages. Each shows the national average, the range by city and the estimated take-home pay at the average, so you can judge both your gross and net pay against the market.
Frequently Asked Questions
How much tax is deducted from a Rs 200,000 salary in Pakistan?
Under the FY 2026-27 slabs, the annual tax on Rs 2,400,000 is Rs 156,000, which is Rs 13,000 a month, leaving about Rs 187,000 in take-home pay before other deductions.
Is Rs 100,000 salary taxed in Pakistan?
Yes, but only slightly. Rs 100,000 a month is Rs 1.2 million a year, so tax is Rs 6,000 a year or Rs 500 a month, leaving Rs 99,500.
Does this chart include EOBI and provident fund?
No. It shows federal income tax only. EOBI, provident fund, insurance and other deductions depend on your employer and are extra.
What is the effective tax rate on Rs 500,000 a month?
About 18.4%. Annual tax is Rs 1,104,000 on Rs 6 million, even though the top marginal rate touched is 32%.