Instant
Profit on Debt Tax Calculator 2026
Calculate the withholding tax on profit on debt (bank profit, savings and interest income) in Pakistan under Sections 151 and 7B. Enter your annual profit, source and filer status to see the tax withheld and your net return for 2025-2026, then file your return with our experts.
Updated for Tax Year 2025-2026
Based on Sections 151 & 7B (Finance Act 2025)
Bank, Savings & Govt Securities
Used by savers across Pakistan
Karachi | Lahore | Islamabad | Peshawar | Faisalabad | Gujranwala | Sialkot | Rawalpindi | Multan | Sargodha | Bahawalpur
Calculate your profit on debt tax
Profit on Debt Tax Calculator
Section 151 / 7B - Bank Profit - 2025-26- Bank / financial institution20% / 40%
- National Savings / other15% / 30%
- Government securities20% / 40%
Calculation Breakdown
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FBR-registered consultants - savings/bank profit, WHT adjustment and refunds.
How to Use the Profit on Debt Tax Calculator
- Select the source of profit
- Choose taxpayer type & filer status
- Enter your annual profit on debt
- Click Calculate to see tax & net
- Share the link, download PDF or consult
Reviewed & Verified by Umair A R Mughal , for Tax Year 2025-2026
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Quick answers About Profit on Debt Tax
What is profit on debt
The return or interest you earn on bank deposits, savings, certificates and similar instruments, taxed under Sections 151 and 7B.
What is the bank profit rate?
20% for filers and 40% for non-filers on profit paid by a bank or financial institution.
Is it a final tax?
For individuals and AOPs, it is a final tax where annual profit on debt is up to PKR 5 million.
What about National Savings?
Profit from National Savings (NSS) and other sources is taxed at 15% for filers (30% for non-filers).
Which year is covered?
Tax Year 2025-2026 (and 2024-2025 selectable).
| Source of Profit on Debt | Filer (ATL) | Non-Filer |
|---|---|---|
| Bank / financial institution deposit | 20% | 40% |
| Government securities | 20% | 40% |
| National Savings (NSS) / other sources | 15% | 30% |
Worked Examples: Bank Profit Tax (Filer vs Non-Filer)
| Annual Bank Profit | Tax Filer (20%) | Tax Non-Filer (40%) |
|---|---|---|
| 100,000 | 20,000 | 40,000 |
| 300,000 | 60,000 | 120,000 |
| 500,000 | 100,000 | 200,000 |
| 1,000,000 | 200,000 | 400,000 |
| 2,500,000 | 500,000 | 1,000,000 |
Who Should Use This Profit on Debt Tax Calculator?
Savings account holders
Term deposit holders
National Savings investors
Pensioners
Bond & sukuk investors
Overseas Pakistanis
Companies & AOPs
Withholding agents
Common Mistakes With Profit on Debt Tax
- Assuming bank profit is taxed at 15% (it is now 20%).
- Not checking ATL status, so paying 40% as a non-filer.
- Forgetting the Rs 5 million final-tax threshold.
- Mixing up National Savings (15%) and bank (20%) rates.
- Not declaring bank profit and WHT in the annual return.
Profit on Debt Tax Calculator for All Major Cities
- Islamabad
- Karachi
- Lahore
- Faisalabad
- Gujranwala
- Sialkot
- Peshawar
- Sargodha
- Jhang
- Multan
Frequently Asked Questions About Profit on Debt Tax Calculator 2026
What is the tax rate on bank profit in Pakistan for 2025-2026?
Profit on debt paid by a bank or financial institution is taxed at 20% for filers and 40% for non-filers. National Savings and other sources are taxed at 15% (filer) / 30% (non-filer).
How much tax is deducted on PKR 1,000,000 bank profit?
On PKR 1,000,000 of bank profit, a filer pays 20% which is PKR 200,000 (net PKR 800,000), while a non-filer pays 40%, PKR 400,000 (net PKR 600,000).
Is profit on debt a final tax?
For individuals and AOPs it is a final tax where annual profit on debt is up to PKR 5 million. Above PKR 5 million, the profit is taxed at normal slab rates and the WHT becomes adjustable.
Do non-filers pay more on bank profit?
Yes – non-filers pay double, 40% versus 20%. Becoming a filer by registering an NTN and filing your return halves the tax on your savings.
Is this profit on debt calculator free?
Yes, it is completely free, provided for educational and estimation purposes for savers and investors.
What rate applies to National Savings (NSS) profit?
Profit from National Savings schemes and other non-bank sources is taxed at 15% for filers and 30% for non-filers.
Is profit on debt refundable?
Where it is the final tax, no refund arises. Where it is adjustable (over Rs 5 million or for companies), any excess WHT can be refunded when you file your return.
How is profit over Rs 5 million taxed?
For individuals and AOPs, profit on debt above PKR 5 million in a year is added to total income and taxed at normal slab rates, with the WHT already deducted being adjustable.
Do companies get final tax on profit on debt?
No. For companies the tax withheld on profit on debt is adjustable against the final corporate tax liability, not a final tax.
How can I check my ATL (Filer) status?
Simply type “ATL [space] your 13-digit CNIC” and SMS it to 9966, or verify your Active Taxpayer status on the FBR website.
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