Jazz Balance Calculator Pakistan
Load PKR 1,000 on Jazz and wonder why the balance is less? This calculator shows the usable Jazz balance you actually get after advance income tax and GST/FED — and works in reverse to tell you how much to recharge for a target balance. At common assumptions, a PKR 1,000 load gives about PKR 684 usable.
Jazz par 1000 ka load kiya, balance kam mila? Tax ke baad asal balance dekhiye — aur ulta bhi: kitna load karein target balance ke liye.
Tax assumptions
15.0% AIT · 19.5% GST/FED
Jurisdiction
Federal + provincial (all networks)
Rates are
Editable — verify with FBR
Last reviewed
2026-06-16
The amount you recharge before tax is deducted.
Tax assumptions (editable, reviewed 2026-06-16)
Advance income tax on the recharge (s.236). Adjustable for filers.
Sales tax / Federal Excise Duty on telecom services.
Usable Jazz balance after tax
Your inputs are calculated in your browser and are not stored by CalcuPK.
| Item | Amount |
|---|---|
| Jazz load | PKR 1,000 |
| Advance income tax | PKR 150 |
| GST / FED | PKR 166 |
| Service charge | PKR 0 |
| Usable balance | PKR 684 |
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Formula & how it works
Each levy is applied to its own base, in the operator's billing order:
- Advance income tax on the load (adjustable for filers)
- GST / FED on the service, on the amount remaining after the above
- optional service charge
- Usable balance = load − all deductions
The levies are never added together as a single rate — advance income tax and GST/FED do not share a base. To hit a target balance the load is grossed up: load = target ÷ ((1 − AIT)(1 − GST)).
Example calculations
Jazz load to balance table
Generated from the same formula as the calculator, at the default assumptions (15.0% advance income tax, 19.5% GST/FED):
| Load | Total tax | Usable balance | Deduction |
|---|---|---|---|
| PKR 100 | PKR 32 | PKR 68 | 31.6% |
| PKR 200 | PKR 63 | PKR 137 | 31.6% |
| PKR 500 | PKR 158 | PKR 342 | 31.6% |
| PKR 1,000 | PKR 316 | PKR 684 | 31.6% |
| PKR 2,000 | PKR 632 | PKR 1,369 | 31.6% |
| PKR 5,000 | PKR 1,579 | PKR 3,421 | 31.6% |
Edit the tax percentages in the calculator to match the current notified rates and this table's logic follows.
How Jazz balance is calculated
When you recharge Jazz, two taxes come out before the balance reaches your account: advance income tax (a withholding tax on the recharge) and GST / FED on telecom services. The advance income tax is charged on the face value of the load; the GST/FED is charged on the service. Your usable balance is the load minus these deductions. Because the two levies sit on different bases, you cannot simply add the percentages — the calculator applies them in the correct order.
How much load for a PKR X balance?
To land a specific usable balance, switch the calculator to “Balance → load”. It inverts the formula and grosses up the recharge: load = target ÷ ((1 − advance tax rate)(1 − GST/FED rate)). For example, to keep a full PKR 1,000 usable at the default assumptions you would load around PKR 1,461. This two-way view is the useful part — most calculators only work forwards.
Taxes on Jazz recharge
The two deductions are set by the government, not by Jazz:
- Advance income tax (withholding): deducted on the recharge and adjustable — if you are a filer you can claim it against your annual tax when you file your return, which is one more reason to be on the Active Taxpayers List.
- GST / FED on services: a consumption tax on telecom usage, and not refundable.
The exact percentages change with federal and provincial budgets, so the calculator keeps them editable rather than hard-coding a figure that could quietly go stale.
Jazz vs other networks
The tax on prepaid recharge is statutory — set by the FBR and the provincial revenue authorities — so it applies identically to Jazz, Zong, Ufone and Telenor. The usable balance on a given load is therefore effectively the same whichever network you use; for any network, the generic mobile recharge tax calculator uses this same engine.