Gross from a take-home figure
Opens on Rs. 99,500 take-home for Tax Year 2027. That needs a monthly gross of Rs. 100,000 and tax of Rs. 500.
The amount you want in hand after salary tax.
Optional. Added on top of the take-home, for example an EOBI employee share or a loan. Leave blank for none. This tool does not look up EOBI.
Worked example
- Monthly income taxRs. 500
- Other deductionsRs. 0
- Take-home at this grossRs. 99,500
- Annual grossRs. 1,200,000
- Annual taxRs. 6,000
- Slab reached600,001 – 1,200,000
- Effective rate0.5%
- Monthly gross, whole rupeesRs. 100,000
- 1Start from the take-home you want
- 2Search whole-rupee gross amounts
- 3Subtract monthly tax and any other fixed deduction
- 4Stop at the smallest gross that still meets the target
The formula
Find the smallest whole-rupee monthly gross G such that G − monthly income tax − other fixed deductions is at least the take-home you typed. Monthly income tax is the annual tax on G × 12, divided by 12. Annual tax and monthly tax are each rounded to two decimal places. That is the same slab table and the same rounding as the salary tax calculator. Marginal rates in these tables are under 100%, so take-home rises as gross rises, and the search can stop at the first whole rupee that clears the target. The take-home can exceed the target by less than one rupee because of that rounding.
The whole gross is treated as taxable salary. Medical allowance, which the site's other calculators treat as exempt up to 10% of basic, is not modelled. Run the gross forward in the salary tax calculator before you lock an offer. A percent or rupee raise, before tax, is the salary increment calculator. A full payslip with EOBI and loans is the payroll calculator. The slab table itself is the tax slab calculator and the salary income tax guide for 2026-27.
Worked examples, Tax Year 2027
Other deductions are zero. Monthly tax is shown to two decimal places where the rounding is not a whole rupee.
| Take-home | Monthly gross | Monthly tax | Annual picture |
|---|---|---|---|
| 50,000 | 50,000 | 0 | Inside the zero band |
| 99,500 | 100,000 | 500 | Annual 1,200,000, tax 6,000 |
| 150,000 | 156,742 | 6,741.62 | Take-home 150,000.38 |
| 227,000 | 250,000 | 23,000 | Annual 3,000,000, tax 276,000 |
| 408,000 | 500,000 | 92,000 | Annual 6,000,000, tax 1,104,000 |
| 1,000,000 | 1,406,924 | 406,923.40 | Take-home 1,000,000.60 |
Select Tax Year 2026 and enter 227,000. The gross is higher than 250,000 because that year's fourth band is 23%, not 20%. The calculator returns a monthly gross of 252,598 and monthly tax of 25,597.54, which is a take-home of 227,000.46. Tax Year 2026 still applies the 9% surcharge when taxable income is above Rs. 10 million. Tax Year 2027 does not, for salaried individuals.
Where the slabs come from
The slabs match the file this site uses for every tax tool, checked on 10 November 2026 against FBR's Withholding Tax Rate Card for Tax Year 2027 and the Finance Act 2026. An estimate of taxable salary only. It is not a pay offer and it is not tax advice.
Net to gross questions
Gross is the salary before income tax. Net, on this page, is what is left after that tax. Other deductions, such as an EOBI share or a loan, are optional and only apply if you type them.
No. The tool does not look up EOBI or a provident fund. If those amounts are fixed each month, type them under other fixed monthly deductions. They are added on top of the take-home you want.
The search finds the smallest whole-rupee gross whose take-home meets the target. Tax is worked on the annual salary and then divided by 12, and both figures are rounded to two decimal places, so the gross that lands on a target is often not a round thousand.
It opens on Tax Year 2027, the slabs in the Finance Act 2026. The year menu also has Tax Year 2026 and Tax Year 2025, including the surcharge those years applied above Rs. 10 million. The same slabs are in the salary tax calculator.
Yes, as a gross-up of taxable salary. It assumes the whole gross is taxable. A medical allowance, which the other calculators treat as exempt up to 10% of basic, is not modelled. Check the gross in the salary tax calculator before you write the offer, and confirm the year with your tax adviser.
Run this in live payroll, not a spreadsheet
StreamHCM applies the same FBR slabs, attendance rules, EOBI and expense-claim logic across every employee, then generates the payslip.