Salary income tax, Zakat, today's gold rate, and more. Built for Pakistan, based on FBR's latest 2025-26 rules.
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Calculate your exact income tax based on FBR's latest salary tax slabs. Enter monthly or annual salary and get instant results with slab-by-slab breakdown.
Calculate your annual Zakat on gold, silver, cash, and savings. Based on current gold and silver nisab values with accurate 2.5% Zakat calculation.
Today's gold price in Pakistan for 24K, 22K, 21K and 18K. Per tola and per gram rates for Lahore, Karachi, Islamabad. Updated daily from Sarafa markets.
Calculate tax on Fiverr, Upwork & freelance income. PSEB-registered pay just 0.25%, non-registered pay 1%. Instant breakdown under FBR Section 154A.
Calculate your exact income tax based on FBR's updated salary tax slabs for FY 2025-26. Enter your monthly or annual salary below.
| Annual Income Slab | Tax Rate | Tax on This Slab |
|---|
📌 Updated for FY 2025-26: The Finance Act 2025-26 reduced salary tax rates for middle-income earners. The 600K-1.2M bracket dropped from 5% to 1%, the 1.2M-2.2M bracket from 15% to 11%, and the 2.2M-3.2M bracket from 25% to 23%.
Salary income tax in Pakistan is a direct tax levied by the Federal Board of Revenue (FBR) on the earnings of salaried individuals. Under the Income Tax Ordinance 2001, if more than 75% of your total income comes from salary, you are classified as a salaried person and benefit from lower, preferential tax rates compared to business income earners.
Pakistan follows a progressive tax system, meaning each income bracket is taxed at its own rate — you only pay the higher rate on the portion of income that falls within that slab, not on your entire income.
The following income tax slabs are effective from July 1, 2025 to June 30, 2026, as notified under the Finance Act 2025-26:
| Annual Income (PKR) | Rate | Tax Formula |
|---|---|---|
| Up to Rs. 600,000 | 0% | Nil — Fully Exempt |
| Rs. 600,001 – Rs. 1,200,000 | 1% | 1% of amount exceeding Rs. 600,000 |
| Rs. 1,200,001 – Rs. 2,200,000 | 11% | Rs. 6,000 + 11% of amount exceeding Rs. 1,200,000 |
| Rs. 2,200,001 – Rs. 3,200,000 | 23% | Rs. 116,000 + 23% of amount exceeding Rs. 2,200,000 |
| Rs. 3,200,001 – Rs. 4,100,000 | 30% | Rs. 346,000 + 30% of amount exceeding Rs. 3,200,000 |
| Above Rs. 4,100,000 | 35% | Rs. 616,000 + 35% of amount exceeding Rs. 4,100,000 |
Note: A 9% surcharge applies on tax for income exceeding Rs. 10,000,000 annually.
Your employer calculates your estimated annual tax, divides it by 12, and deducts it from your monthly paycheck. This is called withholding tax or tax deduction at source. Your employer deposits this amount to FBR on a monthly basis and provides you with a Form 16 (annual tax certificate) at year-end.
Calculate your annual Zakat obligation on gold, silver, cash, savings, and business assets. Based on current nisab values and the 2.5% Zakat rate.
📌 Nisab in 2025 (Gold-based): 7.5 tolas of gold ≈ Rs. 33,90,000. If your total zakatable wealth exceeds this amount and one lunar year has passed, Zakat is obligatory.
Zakat is one of the Five Pillars of Islam — an obligatory annual charity paid by every Muslim who possesses wealth above the nisab threshold for a complete lunar year (hawl). It is set at 2.5% of total zakatable wealth and is intended to purify wealth and support those in need.
Nisab is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory. There are two standards:
Scholars recommend using the silver nisab as it is lower and more inclusive, ensuring Zakat reaches more people. However, many scholars in Pakistan follow the gold nisab for calculating Zakat on mixed wealth including cash.
Zakat is not due on: your home, personal car, furniture, clothing, tools of trade, or debts you owe others (liabilities reduce your zakatable wealth).
Today's gold price in Pakistan for 24K, 22K, 21K and 18K. Per tola and per 10 gram rates from Karachi Sarafa Association.
| Karat | Purity | Per Tola (PKR) | Per 10 Gram (PKR) | Per Gram (PKR) |
|---|---|---|---|---|
| 24K (Pure) | 99.9% | 4,52,000 | 3,87,520 | 38,752 |
| 22K | 91.6% | 4,14,333 | 3,55,210 | 35,521 |
| 21K | 87.5% | 3,95,500 | 3,39,082 | 33,908 |
| 18K | 75.0% | 3,39,000 | 2,90,640 | 29,064 |
Gold prices in Pakistan are determined daily by the Karachi Sarafa Association (Bullion Market), which serves as the benchmark for all other cities including Lahore, Islamabad, Rawalpindi, Peshawar, Quetta, and Multan. Local dealers may charge a small premium of Rs. 200-500 over the Sarafa rate.
Gold prices in Pakistan fluctuate based on several factors:
Gold has historically been one of the strongest hedges against inflation and currency devaluation in Pakistan. With the PKR losing significant value over the past decade, gold holdings denominated in rupees have generated substantial returns. Many Pakistani families hold gold as their primary savings vehicle, particularly in the form of jewellery.
Calculate tax on your Fiverr, Upwork, and freelance export income. PSEB-registered freelancers pay just 0.25% — find out exactly how much you owe under FBR Section 154A.
📌 Section 154A, FY 2025-26: Freelancers exporting IT services to foreign clients pay a flat withholding tax on gross receipts. PSEB-registered: 0.25% — Non-registered: 1%. This is a final tax — no additional income tax is levied on the same income.
Pakistan treats freelance income from foreign clients as IT services export income under the Income Tax Ordinance 2001. This gives freelancers access to a significantly reduced flat withholding tax under Section 154A, rather than being taxed under the standard progressive slabs that salaried employees face.
The tax rate you pay depends on one key factor: whether you are registered with the Pakistan Software Export Board (PSEB).
| Registration Status | Tax Rate | Tax Type | On Income of Rs. 1,000,000 |
|---|---|---|---|
| ✅ PSEB Registered | 0.25% | Final Withholding Tax | Rs. 2,500 |
| ❌ Not PSEB Registered | 1% | Final Withholding Tax | Rs. 10,000 |
Important: At least 80% of freelance income must be received in foreign currency through a Pakistani bank, Payoneer (linked to local account), or Wise to qualify for these reduced rates.
The Pakistan Software Export Board (PSEB) is a government body under the Ministry of IT that supports Pakistan's IT and IT-enabled services (ITeS) export industry. When you register with PSEB, you are officially recognized as an IT/ITeS exporter, which qualifies you for the government's preferred 0.25% tax rate on foreign freelance income.
PSEB registration costs only Rs. 1,000 (one-time fee via TechDestination portal) and can save you 75% on your tax bill. For a freelancer earning Rs. 1,000,000 annually, PSEB registration saves Rs. 7,500 per year — easily justifying the Rs. 1,000 cost.
The National Tax Number (NTN) is your unique taxpayer identification number issued by FBR. For individual Pakistani freelancers, your NTN is automatically linked to your CNIC — you don't need a separate NTN number. However, you must register on the FBR IRIS portal to activate your tax profile and file annual returns.
Getting your NTN/IRIS registration done is free and takes about 30 minutes online at iris.fbr.gov.pk.
Filing your annual income tax return on FBR IRIS places you on the Active Taxpayer List (ATL). Being an ATL filer gives you significant financial benefits beyond just freelance income:
The ATL return deadline is September 30 each year. Filing is free via the IRIS portal or Tax Asaan mobile app.
All income from international freelance platforms is taxable in Pakistan as IT export income. This includes:
Under Section 65F of the Income Tax Ordinance, qualifying IT export income was fully exempt from income tax. However, this exemption is scheduled to end on June 30, 2026. From July 1, 2026 onwards, the standard Section 154A rates (0.25% for PSEB, 1% for non-registered) will apply to all freelancers. If you are currently benefiting from the Section 65F exemption, now is the time to get PSEB-registered before the exemption expires.
Get in touch with Ali U, the developer behind PakTaxCalculators.com
Hi! I'm Ali, a Lahore-based freelance web developer with a passion for building practical tools for everyday Pakistanis. I created PakTaxCalculators.com because I was tired of seeing outdated, clunky, and unreliable financial calculators online — so I built them myself.
Whether you're a salaried professional trying to understand your tax slip, someone calculating Zakat for Ramadan, or an investor tracking gold prices — these tools are built for you. All calculators are free, accurate, and updated regularly based on FBR notifications and Sarafa Association rates.
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