Estimate what actually reaches your bank from freelance income paid in dollars: platform fee, withdrawal fees, conversion at your bank's rate, and the final tax on IT export remittances — 0.25% if you're registered with PSEB, 1% if you're not.
How to use
- Enter your monthly gross income in USD.
- Enter your platform and withdrawal fees.
- Enter the USD to PKR rate you receive.
- Choose your tax rate and read the estimated net income.
Example
$1,000 on a platform charging 20%, with a $3 withdrawal fee, leaves $797. At Rs 280 per dollar that's Rs 223,160; tax at 0.25% is Rs 558, leaving about Rs 222,602 before your own expenses.
PSEB registration and the 0.25% rate
Pakistan taxes qualifying IT and IT-enabled export income through a final tax withheld by the bank when the remittance arrives. Budget 2026-27 kept the reduced 0.25% rate for PSEB-registered freelancers and companies until 30 June 2029, while unregistered exporters generally pay 1%. Conditions — receiving money through banking channels and filing your return — still apply.
Because it's a final tax, business expenses don't reduce it. The expenses field is there so you can see your real monthly take-home.
Good to know
- The exchange rate is not stored because it changes daily — use your bank's actual rate.
- Filing a tax return keeps you on the Active Taxpayer List, which affects other withholding rates.