⚖️Withholding Tax Comparison

Filer vs Non-Filer Tax Calculator

Compare withholding tax rates for filers vs non-filers in Pakistan. Calculate tax on property purchase, vehicle purchase, bank profit, cash withdrawal, and prize money.

Withholding tax on property registration

PKR
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Select transaction type and enter amount to compare

See how much you can save by becoming a filer

⚠️ Disclaimer: This calculator provides estimates based on current FBR withholding tax rates for tax year 2025-26. Actual rates may vary based on specific circumstances, property location, vehicle type, and other factors. Consult a tax professional for accurate advice.

📊 Withholding Tax Rates 2025-26

Filer vs Non-Filer Rates Comparison

Current withholding tax rates for different transaction types

🏠 Property Purchase

Filer Rate:2%
Non-Filer Rate:4% - 8% (depending on value)

🚗 Vehicle Purchase

Filer Rate:1% - 2% of invoice value
Non-Filer Rate:2% - 4% of invoice value

🏦 Bank Profit (Interest)

Filer Rate:10% - 15%
Non-Filer Rate:25% - 30%

💵 Cash Withdrawal

Filer Rate:0.3% (above PKR 50k/day)
Non-Filer Rate:0.6% (above PKR 50k/day)

🏆 Prize Money (Lottery/Raffle)

Filer Rate:15%
Non-Filer Rate:30%

📈 Stock Market (Capital Gains)

Filer Rate:12.5%
Non-Filer Rate:25%

💡 Note: Rates are subject to change. This calculator uses current FBR withholding tax rates for tax year 2025-26. Actual rates may vary based on specific circumstances.

Frequently Asked Questions

How do I become a filer?

To become a filer, you need to register on the FBR IRIS portal (iris.fbr.gov.pk), obtain your National Tax Number (NTN), and file your income tax return for the tax year. You can do this yourself or hire a tax practitioner.

What documents are needed for filer registration?

You'll need your CNIC, mobile number, email address, bank account details, and information about your income sources, assets, and expenses. The registration process is primarily online.

How much can I save by becoming a filer?

Savings depend on your transaction volume. For a property purchase of PKR 10 million, a filer saves PKR 200,000-600,000 in taxes alone. For regular banking and cash transactions, annual savings can exceed PKR 100,000.

Is filer status permanent?

No, filer status must be renewed annually by filing your tax return before the due date (typically September 30). If you fail to file, your status may be converted to non-filer.

Can non-filers purchase property or vehicles?

Yes, but they pay significantly higher withholding tax rates. Many sellers prefer dealing with filers to avoid higher tax deductions at source.