How the calculation works on Rs 10,00,000 / month
Rs 10,00,000 a month, which is Rs 1,20,00,000 a year, is about as high as salaried income goes in Pakistan, and it sits deep in the top 35% band. The standard slab maths (Rs 14,24,000 fixed plus 35% on the income above Rs 70,00,000) gives Rs 31,74,000 a year, or Rs 2,64,500 a month, an effective rate of 26.45%. There's no surcharge on salaried income in FY 2026-27, so nothing is added on top. In FY 2025-26 the same salary paid Rs 36,85,290, so you're Rs 5,11,290 a year better off.
That works out to roughly Rs 2,64,500 a month deducted from your gross, leaving you with Rs 7,35,500 take-home.
What changes if you're not salaried?
At Rs 1,20,00,000 a year every regime is heavy, but salary is still the lighter of the two ordinary options: the non-salaried table comes to Rs 49,39,000, including the 10% surcharge on business income above Rs 1,00,00,000, against your Rs 31,74,000. PSEB-registered IT export income at 0.25% of foreign-currency proceeds is the only route that's dramatically lower, at Rs 30,000, and at this income the rupee gap between it and salaried treatment is enormous.