The free tax calculator for Pakistani freelancers earning abroad. Enter what you earn — see your Final Tax Regime liability under s.154A, whether PSEB registration cuts it from 1% to 0.25%, and a clear, statute-referenced breakdown of every number.
What you'll owe FBR (2026)
Tax year ending 30 June 2026 · Finance Act 2025
≈ PKR 6,720,000 at your rate below
Use the rate your bank credited proceeds at (interbank average is fine for an estimate).
Not registered (1%)
PSEB-registered IT/ITeS exporters get the 0.25% final rate instead of 1%.
Active Taxpayer List. Non-filers forfeit the concessional final-tax rate.
≥80% must arrive through approved banking channels to keep the final-tax rate.
Coded as export (9186)
Wise/Payoneer inflows mis-coded as remittance (9471) can forfeit the export rate.
PKR 67,200
estimated tax payable · Final Tax Regime @ 1%provisional rates
✓≥80% of proceeds received via approved banking channels.
✓Inflows coded as export (9186).
Gross export receipts (2026)
s.154A, Income Tax Ordinance 2001
Bank-credited foreign export proceeds for the tax year.
PKR 6,720,000
Final tax @ 1% (Final Tax Regime)
s.154A, Income Tax Ordinance 2001
Export services final tax under s.154A.
PKR 67,200
Net tax payable
PKR 67,200
Not PSEB-registered: 1% applies. Registering with PSEB would drop this to 0.25%.
⚠ PROVISIONAL: the rates used are pending confirmation against the current Finance Act. Treat this as an estimate, not tax advice.
Register with PSEB → pay 0.25% instead of 1%
The single highest-value move for most freelancers earning abroad.
Save PKR 50,400 / year
PKR 67,200 at 1% → PKR 16,800 at 0.25% on your PKR 6,720,000 of export receipts. ledgerless will handle the PSEB registration for you.
Why this is just the start
The calculator is the free front door. The product behind it:
→Always-ready books. Connect Payoneer/Wise — every payment is ingested, categorised and reconciled automatically.
→A live tax position. "You owe ~PKR X so far this year" — always current, never a year-end surprise.
→Your full return + wealth statement, prepared. Deterministic tax math (never guessed by an AI), grounded in the versioned Finance Act rules.
→You approve, then we file — with you. A hard human sign-off on every FBR submission. The AI does the work; you verify and sign.
This is an estimate, not tax advice. ledgerless computes every figure deterministically from a Finance-Act-versioned rules base — the AI never invents a number — but the rates shown for tax year 2026 are provisional, pending confirmation against the current Finance Act by a tax professional. Your actual liability depends on facts this calculator doesn't collect (mixed income, adjustments, the wealth-statement reconciliation). Always verify before filing. Tax math shown under s.154A / the First Schedule, Income Tax Ordinance 2001.