Fixed Deposit Profit Calculator Pakistan
Estimate the profit on a fixed or term deposit in Pakistan. Enter your principal, profit rate, tenure and compounding frequency to see your maturity amount, net profit and the withholding tax deducted — for filers and non-filers.
← Part of Investment Calculators Pakistan
Last updated: 1 July 2025
Profit paid out to you cannot compound — only a deposit that reinvests profit earns profit on profit.
How often profit is added back to the balance.
Banks normally deduct s.151 tax each time profit is credited, not once at maturity.
Maturity & profit
Your inputs are calculated in your browser and are not stored by CalcuPK.
Maturity composition
| Item | Amount |
|---|---|
| Principal | PKR 1,000,000 |
| Total gross profit | PKR 119,029 |
| Less withholding tax | – PKR 23,806 |
| Total net profit | PKR 95,223 |
| Net maturity amount | PKR 1,095,223 |
Period-by-period schedule
Profit rate per period = 2.8750% (4 periods a year). Net profit is added back to the balance each period.
| # | Opening | Gross profit | Tax | Reinvested | Closing |
|---|---|---|---|---|---|
| 1 | PKR 1,000,000 | PKR 28,750 | – PKR 5,750 | PKR 23,000 | PKR 1,023,000 |
| 2 | PKR 1,023,000 | PKR 29,411 | – PKR 5,882 | PKR 23,529 | PKR 1,046,529 |
| 3 | PKR 1,046,529 | PKR 30,088 | – PKR 6,018 | PKR 24,070 | PKR 1,070,599 |
| 4 | PKR 1,070,599 | PKR 30,780 | – PKR 6,156 | PKR 24,624 | PKR 1,095,223 |
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Formula & how it works
The calculator compounds your deposit and deducts tax on profit:
- Maturity = principal × (1 + rate ÷ n)n×years
- Withholding tax = profit × WHT rate (15% filer / 35% non-filer)
- Net maturity = principal + profit − tax
Example calculations
Example: PKR 1,000,000 at 11.5% for 1 year, compounded quarterly, earns roughly PKR 120,000 gross. After 15% filer withholding tax, your net profit is about PKR 102,000. Adjust the inputs above for your deposit.
Term Deposit Profit in Pakistan
Fixed deposits are a popular low-risk option. Remember the headline rate is before tax — filing keeps more of your profit. Compare other options in the Investment Calculators Pakistan hub, or check the bank profit tax calculator.