Your employer deducts tax.
You still need to file a return.
Over 10 million salaried employees in Pakistan don't file annual tax returns — assuming their employer has handled everything. They haven't. Filing is mandatory, refunds are common, and ATL status saves thousands on every property and banking transaction.
How much tax do you actually owe?
Pakistan salaried income tax for FY 2025-26 (July 2025 – June 2026). These are the rates your employer should be using for monthly WHT deductions.
| Annual Salary (PKR) | Marginal Rate | Tax Calculation | Who this affects |
|---|---|---|---|
| Up to PKR 600,000 | 0% | Nil | No tax — fully exempt |
| PKR 600,001 – 1,200,000 | 5% | On excess | First taxable slab — most entry-level |
| PKR 1,200,001 – 2,400,000 | 15% | PKR 30,000 + 15% on excess over 1.2M | Mid-range salaried |
| PKR 2,400,001 – 3,600,000 | 25% | PKR 210,000 + 25% on excess over 2.4M | Senior professionals |
| PKR 3,600,001 – 6,000,000 | 30% | PKR 510,000 + 30% on excess over 3.6M | Management level |
| PKR 6,000,001 and above | 35% | PKR 1,230,000 + 35% on excess over 6M | C-suite / high earners |
Four steps from zero to filed.
Get your NTN
National Tax Number registration on FBR IRIS. Required if you don't already have one. We register it using your CNIC — takes 3–5 working days.
Gather documents
Salary certificate or 12 payslips, bank statements (all accounts), employer WHT certificate, CNIC. We send you a complete checklist.
We prepare your return
We calculate your exact tax liability, identify any refund, and prepare the income tax return and wealth statement for your review.
Filed on FBR IRIS
Return submitted on FBR IRIS. You receive the filed return and acknowledgement. ATL status updated within 3–7 days. Refund tracked and followed up.
What HR told you vs. what FBR says.
"My company deducts tax — I don't need to file."
Wrong. Employer WHT deduction does not substitute for personal filing. You must file your own return on FBR IRIS every year. Filing is how you claim back any excess WHT and how you prove your income for loans, visas, and property.
Filing saves you real money on every bank transaction.
ATL filers pay half the withholding tax rate on bank transactions, property, and vehicles. On a PKR 50 lakh transaction, the difference between filer and non-filer rates is PKR 100,000+. Filing the return typically costs PKR 3,000–10,000. The maths is obvious.
"I'll file next year when I earn more."
This delays ATL registration every year you wait. Non-filer surcharges accumulate on every transaction in the meantime. Late filing also attracts FBR penalties. Starting early means starting to save early.
Missed years can be filed retroactively (up to 5 years).
If you haven't filed for 2–5 years, you can still file late returns. Penalties exist but are manageable. Getting into good standing proactively is far cheaper than waiting for FBR to send a notice with its own interest and penalties attached.
"FBR won't notice if I don't file."
FBR has direct access to NADRA data, bank transaction reports, property registration data, and vehicle registration records. From 2024, their automated risk profiling flags non-filers with significant banking activity or property transactions.
Filing gives you legal protection against FBR notices.
A filed return creates a legal record of your income declaration. If FBR later questions a transaction, a filed return explaining the income source is your first line of defence. Non-filers have no such protection — every unexplained transaction is a potential Section 111 notice.
Your questions answered directly.
File your return in 48 hours.
Claim what your employer over-deducted.
Send us your salary certificate and CNIC. We prepare and file your return on FBR IRIS — you get ATL status, the protection of being on record, and any refund you're owed.