Salary Calculator Pakistan: Take-Home Pay

💼 Salary & Take-Home Calculator Tool

Salary Frequency

Gross Salary

Currency

EOBI / Provident Fund (%)

Enter provident fund as a % of gross salary. If your PF is a % of basic, convert it (see the example below). EOBI is a fixed amount (Rs 407/month in Islamabad from July 2026), so add it under "Other Deductions" instead.

Other Deductions

Health insurance, loan EMI deductions, etc.

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Take-Home (Net) Salary

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Gross Salary

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PF Deduction

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Total Deductions

Component	Monthly	Annual

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Enter your gross salary above to see your full take-home breakdown.

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How Much of Your Salary Do You Take Home in Pakistan?

Your take-home salary in Pakistan is your gross pay minus income tax, your provident fund contribution, your EOBI share and any other deductions. EOBI is a fixed Rs 407 a month in Islamabad (Rs 430 in Sindh) from July 2026, while provident fund is a percentage your employer sets. This calculator handles PF, EOBI and other deductions.

How to Use This Salary Calculator

Choose Monthly or Annual and enter your gross salary from your offer letter or payslip.
Pick your currency (PKR, USD, GBP, EUR, AED or SAR).
Enter your provident fund deduction as a percentage of gross salary.
Put EOBI (for example Rs 407) and anything else, such as a loan instalment or health insurance, in Other Deductions.
Read your net salary and the monthly and annual breakdown.

Income tax is not included here. Work it out with the Pakistan income tax calculator using the current FBR slabs, then add the monthly tax to Other Deductions for a complete figure.

Gross to Net Salary: How It's Calculated

Take-home pay = gross salary − provident fund − EOBI − income tax − other deductions

Worked Example: Rs 150,000 a Month

Line on the payslip	Amount (PKR / month)
Gross salary	150,000
Provident fund, 5% of gross	− 7,500
EOBI employee share (Islamabad, from July 2026)	− 407
Take-home before income tax	142,093

Income tax is then withheld on top, so check it with the tax calculator and subtract it too.

If Your Provident Fund Is a Percentage of Basic Salary

Many employers take provident fund as a percentage of basic salary, not gross. This calculator applies the percentage to gross, so convert first. Say your basic salary is Rs 100,000 inside a Rs 150,000 gross and PF is 10% of basic (Rs 10,000). Enter 10,000 ÷ 150,000 × 100 = 6.67%. To see how your PF balance and your employer's matching share grow over the years, use the provident fund calculator.

What Is Deducted From Salary in Pakistan?

Deduction	Who sets it	How it's worked out
Income tax	FBR, revised each federal budget	Slab rates on annual taxable salary, withheld monthly by your employer
Provident fund	Your employer's PF policy	A percentage of basic or gross salary; many employers add a matching share
EOBI	Federal law (Employees' Old-Age Benefits Institution)	1% of the minimum wage for the employee and 5% for the employer, whatever your actual salary
Other	You and your employer	Loan instalments, health or life insurance, advances

Because EOBI is based on the minimum wage, someone earning Rs 500,000 pays the same EOBI as someone on the minimum wage. For how EOBI and provident fund differ at retirement, read EOBI vs provident fund.

When to Use a Take-Home Salary Calculator

Comparing job offers: two offers with the same gross can leave you with different net pay once PF rates and other deductions are counted.
Budgeting: plan spending from net pay, not gross. The monthly budget planner starts from the number this calculator gives you.
Negotiating: know the net figure you need, then work back to the gross to ask for.
Leaving a job: your final settlement may also include gratuity. Estimate it with the gratuity calculator.

Common Mistakes

Entering EOBI as a percentage of your full salary. It's a fixed rupee amount, so a percentage overstates it. Put the rupee figure in Other Deductions.
Forgetting income tax. Once your salary is above the tax-free threshold, tax is withheld every month and can be one of your largest deductions.
Mixing monthly and annual figures when comparing offers. Convert both to the same basis first.
Treating provident fund as lost money. It's your savings, plus any employer match, paid back when you leave or retire.

Paid extra for extra hours? Check the legal overtime rate with the overtime calculator for Pakistan, or see every money tool in the financial calculators hub.

How the Salary Calculator Saves You Time

Working out take-home pay means subtracting tax, EOBI and provident fund one by one. Enter your gross salary and the deductions, and the net figure appears straight away.

Frequently Asked Questions

How do I calculate my take-home salary in Pakistan?

Start with your gross monthly salary and subtract your provident fund contribution, your EOBI share (Rs 407 in Islamabad or Rs 430 in Sindh from July 2026), your monthly income tax and any other deductions such as loan instalments. What is left is your net, or take-home, salary.

How much EOBI is deducted from salary?

The employee pays 1% of the applicable minimum wage, not 1% of their own salary. With the minimum wage revised on 1 July 2026, that is Rs 407 a month in Islamabad and Rs 430 in Sindh. Employers pay a further 5%. The amount changes whenever the minimum wage is revised.

What percentage is deducted for provident fund in Pakistan?

There is no single legal rate. It depends on your employer's provident fund policy, and it is often a percentage of basic salary rather than gross. Rates between about 5% and 10% of basic are common, and many employers add a matching contribution. Check your appointment letter or payslip.

Does this salary calculator include income tax?

No. It covers provident fund, EOBI and other deductions you enter. Income tax depends on the FBR slabs for the tax year, so calculate it with the Pakistan income tax calculator, then add the monthly tax amount under Other Deductions to see your full take-home pay.

Is provident fund deduction a loss?

No. Provident fund is your own savings held in a fund, usually with a matching contribution from your employer and investment returns on top. You receive the balance when you leave the job or retire, subject to your fund's rules, so it lowers monthly take-home pay but builds a lump sum.

Can I use this calculator for a salary in the UAE or Saudi Arabia?

Yes. Switch the currency to AED or SAR and enter only the deductions that apply to you there, such as any pension or insurance contributions. Pakistan-specific items like EOBI do not apply to jobs abroad, so leave them out.

Last updated: September 2026

💼 Salary Calculator Pakistan: Take-Home Pay