Jazz Balance Calculator Pakistan
Load PKR 1,000 on Jazz and wonder why the balance is less? 15% advance income tax (s.236) is deducted at recharge, so about PKR 850 is credited. GST/FED on services is charged separately when you use the balance — 16% in Islamabad, 19.5% in the rest of Pakistan, exempt in Gilgit-Baltistan. This tool shows both, and works in reverse.
Jazz par 1000 ka load kiya, balance kam mila? Recharge par 15% advance income tax katta hai — GST alag se usage par lagta hai.
At recharge
15% advance income tax (s.236)
On usage (GST/FED)
ICT 16% · Rest 19.5% · GB exempt
Rates are
Editable — verify with FBR
Last reviewed
2026-08-29
The amount you recharge before advance income tax is deducted.
Tax assumptions (editable, reviewed 2026-08-29)
Advance income tax on the recharge (s.236). Adjustable for filers.
GST/FED on services is a usage tax set by jurisdiction (Rest of Pakistan: 19.5%). It applies when you spend the balance on taxable services, so it is shown separately below — not deducted from what is credited.
Balance credited after advance income tax
Your inputs are calculated in your browser and are not stored by CalcuPK.
| Item | Amount |
|---|---|
| Jazz load | PKR 1,000 |
| Advance income tax (s.236) | PKR 150 |
| Balance credited | PKR 850 |
| Item | Amount |
|---|---|
| Usage GST/FED rate | 19.5% |
| If the whole credited balance is spent on taxable services | PKR 166 |
The GST/FED figure is illustrative: it is charged as you consume taxable services, not taken from your balance at recharge. Whether your operator shows it at recharge or on usage is not established from a primary Jazz source, so it is reported separately here.
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Formula & how it works
Two different taxes apply, at two different moments — the calculator keeps them apart:
- At recharge — advance income tax (s.236): 15% of the load, deducted before the balance is credited. Adjustable — a filer can claim it back. So balance credited = load × (1 − advance income tax rate).
- On usage — GST/FED on services: charged as you spend the balance on taxable services, at your jurisdiction's rate. Shown separately, not netted from the credited balance.
To hit a target credited balance the load is grossed up for the advance income tax only: load = target ÷ (1 − advance income tax rate).
Example calculations
Jazz load to credited balance
Generated from the same engine as the calculator, at the default assumption (15% advance income tax deducted at recharge). GST/FED on usage is excluded here because it is charged on consumption, not on the recharge:
| Load | Advance income tax | Balance credited |
|---|---|---|
| PKR 100 | PKR 15 | PKR 85 |
| PKR 200 | PKR 30 | PKR 170 |
| PKR 500 | PKR 75 | PKR 425 |
| PKR 1,000 | PKR 150 | PKR 850 |
| PKR 2,000 | PKR 300 | PKR 1,700 |
| PKR 5,000 | PKR 750 | PKR 4,250 |
Edit the advance-income-tax percentage in the calculator to match your tax certificate and this table's logic follows. GST/FED on usage is shown separately in the tool.
How Jazz balance is calculated
When you recharge Jazz, advance income tax under section 236 — commonly 15% — is deducted from the load before the balance is credited to your account. That is the deduction that makes a PKR 1,000 load show up as about PKR 850. This advance income tax is adjustable: if you are a filer you can claim it against your annual tax when you file, one more reason to be on the Active Taxpayers List.
GST/FED is a usage tax, charged separately
The other telecom tax — GST / FED on services — is charged when you consume taxable services (calls, SMS, data), not netted from your balance at recharge. Its rate depends on your jurisdiction: 16% in the Islamabad Capital Territory, 19.5% across the rest of Pakistan and AJK, and exempt in Gilgit-Baltistan. Because it applies on usage, this calculator reports it separately rather than folding it into a single “usable balance” figure — whether an operator presents it at recharge or on usage is not established from a primary Jazz source.
How much load for a PKR X credited balance?
To land a specific credited balance, switch the calculator to “Balance → load”. It inverts the advance-income-tax deduction: load = target ÷ (1 − advance income tax rate). To keep a full PKR 1,000 credited at 15% advance income tax you would load around PKR 1,176.
Jazz specifically
This calculator is set up for Jazz, a prepaid operator. The advance income tax is federal and applies the same to every operator, but GST/FED depends on your jurisdiction, and operator service charges (if any) can differ — so the figures here are for Jazz and should not be assumed identical for every network. For a general version, the mobile recharge tax calculator uses the same engine.