Freelancer & IT Export Tax Calculator Pakistan
Estimate your take-home income as a Pakistani freelancer or IT exporter after platform fees, bank charges, currency conversion and an estimated final tax — and compare PSEB-registered vs unregistered, filer vs non-filer.
Foreign income PKR mein convert hone ke baad, tax aur fees ke baad asal take-home kitni banti hai.
Last updated: 16 June 2026
Editable — use the rate your bank actually credits.
Registration can unlock a concessional final tax on IT exports.
Formal banking channel is usually required for the export concession.
Fees & other income (editable)
e.g. Upwork/Fiverr fee.
On inward remittance.
Estimated take-home
Your inputs are calculated in your browser and are not stored by CalcuPK.
| Scenario | Tax rate | Net / month |
|---|---|---|
| A. PSEB registered + filer | 0.25% | PKR 747,660 |
| B. Registered + non-filer | 0.50% | PKR 745,786 |
| C. Unregistered + filer | 1.00% | PKR 742,038 |
| D. Unregistered + non-filer | 2.00% | PKR 734,543 |
Formula & how it works
The calculator works through your income step by step:
- Gross PKR = foreign income × exchange rate
- less platform fee and bank charges
- less an estimated final/withholding tax on the net proceeds (plus local income, less expenses)
- = net take-home per month and per year
The applied tax rate is derived from your PSEB registration, filer status and whether funds come through the banking channel — or you can override it. Every rate is an editable assumption.
Example calculations
Example: USD 3,000/month at PKR 279 is roughly PKR 837,000 gross. After a 10% platform fee and small bank charges, a PSEB-registered filer receiving through the banking channel keeps far more than an unregistered non-filer — the scenario table makes the gap explicit for your own numbers.
Why the four scenarios differ
Pakistan deliberately makes IT and IT-enabled service exports attractive, but the concession is conditional. PSEB registration, being on the Active Taxpayers List and using the banking channel together unlock the lowest assumed rate. Drop any of them and the effective rate rises. This is why two freelancers with identical earnings can take home very different amounts.
Pair this with the USD income to PKR calculator for a pure conversion view, or the freelancer tax calculator for the slab-based approach.