How the gross salary is found
There is no single formula that turns take-home pay back into a gross salary, because the tax depends on which slab the gross salary falls in. The calculator runs a numerical search against the slab table: it takes the yearly take-home you want, tries a gross salary halfway through a range, works out the tax on it with the salaried table for the tax year you pick, and keeps the half of the range where gross minus tax meets the target. After 80 rounds the range is far narrower than one rupee, and the result is rounded to the nearest rupee.
Take-home rises with gross salary except at two kinds of threshold. In tax years 2025 and 2026 the section 4AB surcharge applies to the whole slab tax once taxable income passes Rs 10,000,000 a year, and in every year section 4C super tax applies to the whole income once it passes a band. At each of those points take-home drops, so the search checks each stretch between thresholds in order and returns the lowest gross salary that reaches your target.
Tax year 2027 salaried rates
| Yearly taxable salary | Tax |
|---|---|
| Rs 0 to Rs 600,000 | 0% |
| Rs 600,001 to Rs 1,200,000 | 1% of the amount above Rs 600,000 |
| Rs 1,200,001 to Rs 2,200,000 | Rs 6,000 + 11% of the amount above Rs 1,200,000 |
| Rs 2,200,001 to Rs 3,200,000 | Rs 116,000 + 20% of the amount above Rs 2,200,000 |
| Rs 3,200,001 to Rs 4,100,000 | Rs 316,000 + 25% of the amount above Rs 3,200,000 |
| Rs 4,100,001 to Rs 5,600,000 | Rs 541,000 + 29% of the amount above Rs 4,100,000 |
| Rs 5,600,001 to Rs 7,000,000 | Rs 976,000 + 32% of the amount above Rs 5,600,000 |
| Above Rs 7,000,000 | Rs 1,424,000 + 35% of the amount above Rs 7,000,000 |
Earlier tax years use the tables in the multi-year salary tax calculator. Surcharge under section 4AB on salaried people with taxable income above Rs 10,000,000: 2024: 0%, 2025: 10%, 2026: 9%, 2027: 0%.
Where the rates come from
Every rate is read from the Income Tax Ordinance, 2001 as consolidated by FBR. The rates on this page were last checked against the official text on 2026-09-26.
- Income Tax Ordinance, 2001, First Schedule, Part I, Division I, clause (2), salaried table (as amended to 2026-06-30) official file
- Income Tax Ordinance, 2001, section 4, section 4AB surcharge, which this edition prints after section 4 (as amended to 2026-06-30) official file
- Income Tax Ordinance, 2001, section 12, salary (as amended to 2026-06-30) official file
- Income Tax Ordinance, 2001, edition amended to 31.07.2025, tax year 2026 table (as amended to 2025-07-31) official file
Common questions
What gross salary gives a take-home of Rs 144,000 a month in tax year 2027?
A gross salary of Rs 150,000 a month. That is Rs 1,800,000 a year, on which the salaried table charges Rs 72,000, or Rs 6,000 a month, leaving Rs 144,000.
Up to what take-home is gross salary the same as take-home?
Salary up to Rs 600,000 a year, which is Rs 50,000 a month, falls in the 0% slab in every tax year from 2024 to 2027. Up to that point no tax is due, so gross and take-home are the same.
Why does the calculator search instead of using a formula?
Tax depends on which slab the gross salary falls in, and you do not know the gross salary yet. The calculator tries gross figures, works out the tax on each with the slab table, and narrows the range until gross minus tax equals your target. The check line shows that the answer adds up.
Can two different salaries give the same take-home?
Yes, just above Rs 10,000,000 a year in tax years 2025 and 2026. Section 4AB applies the surcharge to the whole slab tax once taxable income passes that figure, so take-home drops as salary crosses it and a range of take-home figures can be reached twice. The calculator shows the lower gross salary.