Salary / In-Hand Calculator

Calculate your exact monthly take-home pay after Income Tax, Provident Fund (PF), and other standard deductions.

Understanding Gross vs. Net Salary in Pakistan

When negotiating a job offer, HR usually quotes a Gross Salary. However, what you actually receive in your bank account is the Net In-Hand Salary. The difference consists of mandatory deductions like Income Tax and company-specific deductions like Provident Funds (PF) or EOBI (Employees' Old-Age Benefits Institution).

• Income Tax: Calculated annually based on FBR (Federal Board of Revenue) slabs and deducted proportionately each month by your employer (withholding tax).
• Provident Fund (PF): Often set at 8.33% to 10% of your basic salary. Your employer matches this amount, and it acts as a long-term savings fund for your retirement.
• EOBI: A minor mandatory pension contribution (often a fixed PKR amount) applicable to certain private-sector employees.