Salary Calculator — Take-Home Pay
See your real monthly and annual net pay after income tax, EOBI, and provident fund deductions
Frequently Asked Questions
Pakistani employees — whether based in Karachi, Lahore, Islamabad, or any other city — often find their actual take-home pay differs meaningfully from their offered salary once income tax, EOBI contribution, and provident fund deductions are applied. This calculator models all three together the way a typical Pakistani payroll department would.
What actually comes out of your gross salary
Three separate deductions apply to most formal-sector salaries: income tax, withheld monthly by your employer under the salaried slab of the Income Tax Ordinance, 2001; EOBI, a mandatory 1% employee contribution (matched by a 5% employer contribution) toward your future old-age pension, calculated on a fixed minimum-wage base rather than your actual salary; and provident fund, a retirement savings deduction that varies by employer policy (commonly 8–10% of basic salary, matched by the employer) rather than a government-mandated rate. Only the first two are universal and government-set; provident fund terms depend on your specific employment contract.
A worked example
Someone offered Rs 150,000/month gross should not assume Rs 150,000 lands in their account. Income tax withholding alone, spread across twelve months from the annual slab liability, typically removes a meaningful slice — and that's before EOBI's flat contribution and any provident fund the employer runs. The gap between "offered salary" and "take-home pay" is exactly why this calculator exists: to give you the real number before you accept an offer, not after your first payslip surprises you.
How this connects to your other numbers
Your monthly withholding here should roughly reconcile with your annual liability from the Income Tax Calculator — if it doesn't, your employer may be over- or under-withholding, which gets settled (refund or additional payment) when you file your annual return. If your employment ends and you receive a lump-sum payout, check the Gratuity Calculator for how much of that is tax-exempt. And if you're weighing a full-time offer against freelance/contract income, compare this against the Freelancer Tax Calculator — the effective tax rates are structured very differently between the two.
Common mistakes
Job seekers frequently compare a "package" figure quoted by one employer (which may already be net, or may include EOBI/PF employer contributions that never touch your pocket) against a "gross salary" figure from another employer — these are not the same number, and comparing them directly produces a wrong conclusion about which offer actually pays more. Always normalize to net take-home pay before comparing two offers.