Is provident fund deducted before or after tax?

This calculator deducts your provident fund contribution from take-home pay. Tax is computed on gross salary. Specific employer schemes and exemptions can vary, so treat the result as an estimate.

What is EOBI and how much is deducted?

EOBI (Employees' Old-Age Benefits Institution) is a contributory pension scheme. The employee contribution is commonly about 1% of minimum wage — this calculator assumes PKR 370 per month. Verify the current notified amount with EOBI.

Why is my actual salary slip different?

Employers may apply tax differently across the year, include exempt allowances (like medical up to 10% of basic), or have different PF/EOBI bases. Use this as a close estimate, not an exact figure.

Net Salary / Take-Home Salary Calculator Pakistan

Pakistan-focusedFormula explainedRates reviewedVerify before filing

Tax Year 2026Rates reviewed: 30 Jun 2025Verify with FBR

See your real monthly take-home pay in Pakistan after FBR income tax, provident fund and EOBI deductions — with a full monthly and annual breakdown.

Last updated: 1 July 2025

Enter salary as

Monthly gross salary

PKR

Your salary before any tax or deductions.

Monthly bonus / allowance (optional)

PKR

Tax year

Provident fund contribution

Provident Fund contribution rates vary by employer (commonly ~8.33%–10% of basic salary). Enter your actual rate.

Deduct EOBI

Assumes PKR 370/month employee contribution.

Other monthly deductions (optional)

PKR

Take-home salary

Net monthly salaryPKR 144,000

Net annual salaryPKR 1,728,000

Monthly income taxPKR 6,000

Effective tax rate4.0%

Send result to yourself

Share this calculator

Your inputs are calculated in your browser and are not stored by CalcuPK.

Monthly breakdown

Net take-homePKR 144,000

Income taxPKR 6,000

Effective tax rate

4.0%

Monthly breakdown
Item	Amount
Gross salary	PKR 150,000
Income tax	– PKR 6,000
Provident fund	– PKR 0
EOBI	– PKR 0
Other deductions	– PKR 0
Net take-home	PKR 144,000

How to use this calculator

1Choose whether you want to enter your salary monthly or annually.
2Enter your gross salary (before tax and deductions) and any bonus or allowance.
3Pick the tax year and add your provident fund rate, EOBI and other deductions.
4Read your net take-home salary instantly, then share it on WhatsApp.

Formula & how it works

The calculator works in four steps:

Annual gross = (monthly salary + bonus) × 12
Income tax = FBR progressive salary slabs applied to annual gross (plus surcharge if applicable)
Monthly deductions = income tax ÷ 12 + provident fund + EOBI + other
Net take-home = monthly gross − total monthly deductions

Tax slabs are progressive: each rate applies only to the income that falls inside its band. See the salary tax guide for the full slab table.

Net Salary Calculator for Pakistan

Your gross salary is rarely what lands in your bank account. Between FBR income tax, provident fund contributions, EOBI and other deductions, the difference can be significant. This take-home salary calculator for Pakistan turns your gross pay into a clear net figure so you can budget with confidence.

The calculator uses the official FBR salary tax slabs for the tax year you select. Because the slabs are progressive, a raise never reduces your take-home pay — only the income inside a higher band is taxed at the higher rate. Switching between monthly and annual input makes it easy whether you think in monthly salary or an annual package (CTC).

Pair this with the FBR Income Tax Calculator to focus purely on tax, or the Tax-Deductible Investment Planner to see how pension contributions can lower your tax.

Frequently asked questions

Take-home salary = gross salary − income tax − provident fund − EOBI − other deductions. Income tax is calculated on your annual gross using FBR salary slabs, then spread across 12 months.