How the calculation works on PKR 75,000 / month
On 75,000 a month you've just stepped into the taxed zone, but barely. That's 900,000 a year, and only the 300,000 sitting above the 600,000 exemption gets taxed, at 1%. I worked it out for this page: that comes to 3,000 for the whole year, or 250 a month. Your marginal rate (what your next raise gets taxed at) is 1%, and your effective rate is a tiny 0.33%. If your payslip is showing a bigger cut than that, something else is going on, and I get into that below.
That works out to roughly Rs 250 a month deducted from your gross, leaving you with Rs 74,750 take-home. Your effective tax rate is 0.33%, even though your marginal rate is 1%.
What changes if you're not salaried?
Earning this much from business or freelance income lands you on the same 1% for this slab in 2025-26, so the maths comes out the same. The real gap between salaried and business tax only opens up once you're past 1,200,000 a year. Below that, it honestly doesn't matter much how your income is classified.