Applied to bank profit credited, not the account balance.
Section 151 profit on debt · FY 2026-27
Savings Account Tax Calculator Pakistan 2026-27
Estimate withholding tax on savings-account or deposit profit for ATL and non-ATL taxpayers.
Registry FY-2026-27.2026-08-15Runs privately in your browserOfficial sources linked below
Enter the profit credited by the bank, not the account balance. The current FBR rate card uses 20% for ATL and 40% for non-ATL on bank-account and deposit profit.
Private calculation
Enter your details
All amounts are in Pakistani rupees. Your entries stay in this browser.
No signup. No data upload. Verify final figures before filing or payment.
FY 2026-27 rate snapshot
A quick view of the main rates and distinctions used by this tool. The methodology and official links below provide the context.
The higher Section 151 withholding is shown side by side.
Your deposited principal is not treated as income.
Savings Profit Tax in Pakistan: rules, method and practical guidance
This calculator page is the main Pakistan Taxes hub for savings profit tax. It combines the working calculator, FY 2026-27 basis, calculation explanation and every related article in one place.
What is savings profit tax?
Banks deduct tax from profit on savings accounts, term deposits and similar profit-on-debt arrangements. The tax applies to the profit credited or paid—not to the deposit balance itself.
ATL status has a major effect on Section 151 withholding. For covered individuals and AOPs with profit on debt up to Rs. 5 million, Sections 7B and 8 provide gross-basis final-tax treatment; larger amounts, companies and special instruments require separate classification.
Calculation method
How the calculation works
- Enter total profit credited by the bank during the period.
- Select whether the account holder is active on ATL.
- Apply the Section 151 filer or non-filer withholding rate.
- Show the tax withheld and profit remaining after deduction.
Legal foundation
Finance Act and statutory basis
- Section 151 governs withholding on profit on debt.
- The First Schedule and FBR withholding card provide ATL and non-ATL rates.
- Sections 7B and 8 govern separate final-tax treatment for covered individuals and AOPs up to the statutory limit.
- Section 151 reduces the withholding base by qualifying Zakat paid; account type, recipient and annual profit can change the applicable rate or treatment.
Inputs explained
What to enter in the calculator
- Use profit from the bank certificate, not the account balance.
- Combine certificates when more than one bank or deposit is being reviewed.
- ATL status should match the period in which profit is paid or credited.
Accuracy checks
Common calculation mistakes
- Applying the rate to principal.
- Confusing Zakat with income-tax withholding.
- Ignoring the non-ATL rate.
- Failing to retain annual bank tax certificates.
savings account tax Pakistanbank profit taxSection 151filer non-filer bank taxprofit on debtbank withholding certificate
Method and limits
What this estimate includes
Enter the profit credited by the bank, not the account balance. The current FBR rate card uses 20% for ATL and 40% for non-ATL on bank-account and deposit profit.
The result is designed for planning. It does not replace a challan, payroll certificate, withholding statement, provincial assessment or professional opinion based on your full facts.
See rate governance, validation cases and change log →- FY 2026-27 calculation logic
- Clear separation of tax components
- No information sent to our server
- Final-payment verification reminder
Official sources used for this calculator
Rates can be changed by legislation, notification or provincial schedule. Open the source before relying on a material transaction.
FBR Withholding Rate CardSection 151 profit-on-debt withholding rates.Open official source ↗Finance Act 2026The enacted federal tax changes for FY 2026-27.Open official source ↗Income Tax Ordinance 2001The consolidated federal income-tax law and schedules.Open official source ↗FBR IRISFile a return and reconcile any legally adjustable tax already paid.Open official source ↗
Last reviewed:
Savings Profit Tax FAQ
Is this savings-account tax result final?
No. It is a planning estimate based on the details entered and the published rates described on this page. Your withholding agent, excise office, provincial authority or FBR assessment remains the final figure.
Does this calculator store my information?
No. The calculation runs in your browser. Pakistan Taxes does not receive or store the amounts you enter.
Should I enter my balance or the profit credited?
Enter only the interest or profit credited by the bank during the period. The withholding is not calculated on your deposit balance.