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Cash Withdrawal Tax Calculator 2026
Calculate the advance tax on bank/ATM cash withdrawals in Pakistan under Section 231AB. Enter your daily withdrawal and filer status to see the tax deducted and net cash for 2025-2026. The tax applies to non-filers only – become a filer by registering an NTN to pay 0%.
Updated for Tax Year 2025-2026
Based on Section 231AB (advance, adjustable)
Non-Filers 0.8% / Filers 0%
Used by bank customers across Pakistan
Karachi | Lahore | Islamabad | Peshawar | Faisalabad | Gujranwala | Sialkot | Rawalpindi | Multan | Sargodha | Bahawalpur
Calculate your cash withdrawal tax
Cash Withdrawal Tax Calculator
Section 231AB - Non-Filers - 2025-26- Filer (ATL)0% (exempt)
- Non-Filer - above threshold0.8%
How to Use the Cash Withdrawal Tax Calculator
- Choose filer status (Filer/Non-Filer)
- Enter your daily cash withdrawal
- Select the tax-free threshold
- Click Calculate to see tax & net cash
- 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 Cash Withdrawal Tax
What is cash withdrawal tax
An advance tax under Section 231AB that banks deduct on large daily cash withdrawals by non-filers.
What is the rate?
0.8% for non-filers (2025-26) on the amount above the daily threshold; 0.6% in 2024-25.
Do filers pay it?
No - filers (on the ATL) are fully exempt and pay 0% on cash withdrawals.
Is it a final tax?
No - it is an advance, adjustable tax that can be claimed back in your annual return.
What is the threshold?
The daily aggregate withdrawal threshold (commonly cited as Rs 50,000 in the statute or Rs 75,000 in budget updates).
| Taxpayer Status | FY 2025-2026 | FY 2024-2025 |
|---|---|---|
| Filer (on ATL) | 0% (exempt) | 0% (exempt) |
| Non-Filer - on amount above daily threshold | 0.8% | 0.6% |
Worked Examples: Non-Filer Cash Withdrawal Tax (0.8%)
| Daily Withdrawal (Non-Filer) | Tax @ Rs 75,000 limit | Tax @ Rs 50,000 limit |
|---|---|---|
| 60,000 | 0 | 80 |
| 100,000 | 200 | 400 |
| 200,000 | 1,000 | 1,200 |
| 500,000 | 3,400 | 3,600 |
| 1,000,000 | 7,400 | 7,600 |
Who Should Use This Cash Withdrawal Tax Calculator?
Non-filers
Cash-based businesses
Traders & shopkeepers
Frequent ATM users
Property buyers paying cash
Salaried non-filers
Overseas Pakistanis
Anyone planning a big withdrawal
Common Mistakes With Cash Withdrawal Tax
- Thinking filers also pay it (filers are exempt).
- Forgetting daily withdrawals are aggregated across ATMs/branches.
- Treating it as a final tax (it is adjustable in your return).
- Ignoring it because the rate looks small - it adds up.
- Staying a non-filer instead of joining the ATL to pay 0%.
Cash Withdrawal Tax Calculator for All Major Cities
- Islamabad
- Karachi
- Lahore
- Faisalabad
- Gujranwala
- Sialkot
- Peshawar
- Sargodha
- Jhang
- Multan
Frequently Asked Questions About Cash Withdrawal Tax Calculator 2026
What is the cash withdrawal tax rate in Pakistan for 2025-2026?
Under Section 231AB, banks deduct 0.8% advance tax from non-filers on the daily aggregate cash withdrawal above the threshold. Filers (on the ATL) are exempt and pay 0%.
How much tax on a PKR 100,000 cash withdrawal?
For a non-filer withdrawing PKR 100,000 in a day with a Rs 75,000 threshold, tax is 0.8% of PKR 25,000 = PKR 200. With a Rs 50,000 threshold it would be 0.8% of PKR 50,000 = PKR 400. Filers pay nothing.
Do filers pay cash withdrawal tax?
No. Persons on the Active Taxpayers List (filers) are fully exempt from the Section 231AB cash withdrawal tax.
Is the cash withdrawal tax refundable?
Yes – it is an advance, adjustable tax. Non-filers can claim it against their liability or as a refund by filing a return and joining the ATL.
Is this cash withdrawal tax calculator free?
Yes, it is completely free, provided for educational and estimation purposes.
Is the threshold Rs 50,000 or Rs 75,000?
The enacted Section 231AB and the FBR rate card reference Rs 50,000 per day, while 2025-26 budget commentary cites Rs 75,000. The calculator lets you choose; confirm the current position with your bank or the FBR.
Are withdrawals from different ATMs added together?
Yes. The tax looks at the total aggregate cash withdrawn in a single day across all ATMs and branches, not each transaction separately.
Which withdrawals are exempt?
Withdrawals by federal/provincial governments, foreign diplomats and holders of a Commissioner exemption certificate are excluded, and certain foreign-remittance, RDA and Asaan accounts may also be exempt.
How do I avoid cash withdrawal tax?
Become a filer. Once your name appears on the ATL, you pay 0%. Our team can register your NTN and file your return.
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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