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Prize Bond Tax Calculator 2026
Calculate the withholding tax on prize bond winnings and other prizes in Pakistan under Section 156. Enter your winning amount, prize type and filer status to see the tax deducted and your net prize for 2025-2026 – and declare it correctly with our experts.
Updated for Tax Year 2025-2026
Based on Section 156 (Final Tax)
Prize Bonds, Lottery & Raffle
Used by prize winners across Pakistan
Karachi | Lahore | Islamabad | Peshawar | Faisalabad | Gujranwala | Sialkot | Rawalpindi | Multan | Sargodha | Bahawalpur
Calculate your prize bond tax
Prize Bond Tax Calculator
Section 156 - Prizes & Winnings - 2025-26- Prize bond / cross-word puzzle15%
- Lottery / raffle / quiz / promotion20%
How to Use the Prize Bond Tax Calculator
- Select the winning type
- Choose filer status (Filer/Non-Filer)
- Enter your winning amount
- 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 Prize Bond Tax
What is prize bond tax
A withholding tax deducted from prize bond and other winnings at the time of payment under Section 156.
What is the prize bond rate?
15% for filers and 30% for non-filers on prize bond winnings.
What about lottery/raffle?
Lottery, raffle, quiz and sale-promotion prizes are taxed at 20% (filer) / 40% (non-filer).
Is it refundable?
No - the tax under Section 156 is a final tax and cannot be adjusted or refunded.
Which year is covered?
Tax Year 2025-2026 (and 2024-2025 selectable).
| Winning Type | Filer (ATL) | Non-Filer |
|---|---|---|
| Prize bond / cross-word puzzle | 15% | 30% |
| Lottery / raffle / quiz / sale-promotion prize | 20% | 40% |
Worked Examples: Prize Bond Tax (Filer vs Non-Filer)
| Prize Bond Winning | Tax Filer (15%) | Tax Non-Filer (30%) |
|---|---|---|
| 25,000 | 3,750 | 7,500 |
| 100,000 | 15,000 | 30,000 |
| 500,000 | 75,000 | 150,000 |
| 1,500,000 | 225,000 | 450,000 |
| 80,000,000 | 12,000,000 | 24,000,000 |
Who Should Use This Prize Bond Tax Calculator?
Prize bond holders
Lottery winners
Raffle winners
Quiz show winners
Promotional prize winners
CDNS investors
Overseas Pakistanis
Anyone claiming a prize
Common Mistakes With Prize Bond Tax
- Expecting the full prize without the WHT deduction.
- Using the 15% prize bond rate for a lottery (it is 20%).
- Not checking ATL status, so paying double as a non-filer.
- Assuming the tax can be refunded (it is final).
- Not declaring the winning in the annual return.
Prize Bond Tax Calculator for All Major Cities
- Islamabad
- Karachi
- Lahore
- Faisalabad
- Gujranwala
- Sialkot
- Peshawar
- Sargodha
- Jhang
- Multan
Frequently Asked Questions About Prize Bond Tax Calculator 2026
What is the tax on prize bond winnings in Pakistan for 2025-2026?
Prize bond winnings are taxed at 15% for filers and 30% for non-filers under Section 156. Lottery, raffle, quiz and sale-promotion prizes are taxed at 20% (filer) / 40% (non-filer).
How much tax is deducted on a PKR 1,500,000 prize bond win?
On a PKR 1,500,000 prize bond win, a filer pays 15% which is PKR 225,000 (net PKR 1,275,000), while a non-filer pays 30%, PKR 450,000 (net PKR 1,050,000).
Is prize bond tax a final tax?
Yes. The tax deducted under Section 156 is a final tax – it cannot be adjusted against other taxes or refunded, though the winning should still be declared in your return.
Do non-filers pay more on prize bonds?
Yes – non-filers pay double, 30% versus 15%. Becoming a filer by registering an NTN and filing your return halves the tax on your winnings.
Is this prize bond tax calculator free?
Yes, it is completely free, provided for educational and estimation purposes for prize winners.
What rate applies to lottery and raffle winnings?
Winnings from a lottery, raffle, quiz or a prize offered for sale promotion are taxed at 20% for filers and 40% for non-filers – higher than prize bonds.
Who deducts the prize bond tax?
The State Bank of Pakistan or the Central Directorate of National Savings (CDNS) deducts the tax at source when the prize is paid, and issues you a deduction certificate.
Do I need to declare prize winnings if tax was deducted?
Yes. Even though it is a final tax deducted at source, the winning must be reported in your annual return. Our team can file your return and record it correctly.
Is tax charged on non-cash prizes?
Yes. Where a prize is not in cash (such as a car or plot), the payer collects tax on the fair market value of the prize at the same rates.
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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