Tax year 2027
Mutual Fund Tax Calculator
Your fund company deducts this before paying you and passes it to NCCPL. For a person the rate no longer depends on the fund type or on how long the units were held, which is a recent simplification.
Your units
Tax when you redeem mutual fund units. Nothing you type here leaves your browser.
Enter what you invested and what you got back, and this works out the tax on the gain.
Where these figures come from
- Statutory basis
- Income Tax Ordinance, 2001, as amended by the Finance Act 2026, for tax year 2027 (1 July 2026 to 30 June 2027).
- Last checked against the statute
- by BarrioVibe, which files income tax returns through FBR IRIS.
These figures are an estimate computed from the rates above, not tax advice for your situation. Your return depends on facts a form cannot see, so treat the number as a starting point and speak to us before you file on it.
Read this first
What thisdoes not cover
It is accurate for what it models, and everything below changes the answer. None of it can be handled by a form with a few fields in it.
- Dividends the fund paid you along the way, which are taxed under their own rules rather than as a gain
- Losses on other redemptions in the same year
- The fund’s own charges, front-end loads and management fees, which reduce your return without reducing this tax
- Voluntary pension schemes and other wrappers, which have their own treatment entirely
- Whether your fund is classified as a stock fund, which your account statement rather than this calculator settles
Questions
The questionspeople ask
How much tax do you pay on mutual funds in Pakistan?
For a person, 15% of the gain, whether it is a stock fund or any other fund, and how long you held the units does not change it. A company pays 15% on a stock fund and 25% on any other fund.
Who deducts it?
Your fund company, at the point you redeem. It withholds the tax and passes it to NCCPL, so what reaches your account is already net of it.
Does it matter how long I held the units?
For a person on units bought from 1 July 2025, no: one rate applies however long you held them. That is a simplification of an older regime where the rate varied.
What is a stock fund?
A fund classified as such under the collective investment scheme rules, broadly one investing predominantly in equities. Your account statement states which category your fund is in; this calculator cannot tell from the figures alone.
What about the dividends the fund paid me?
Those are taxed separately, under the rules for dividends, and are not part of the gain this calculates. A fund can therefore produce two different tax charges in the same year.
Also here
Other calculatorsfor this
Shares Capital Gains
Tax on the profit from selling listed securities under section 37A. When you bought them decides the rate, and shares bought before July 2013 are outside the charge entirely.
Salary Tax Calculator
Your monthly take-home on the FBR salary slabs for any tax year from 2012-13 to 2026-27, with EOBI, provident fund, Zakat and pension relief, and the slab-by-slab working shown.
Business & AOP Tax
Income tax for a sole trader, a partnership or a professional firm, on the non-salaried slabs, with the section 4AB surcharge where it applies.
Next step
Deducted is not the same as final.
A fund deducts on redemption, but your year may look different once losses and other income are in it. We prepare returns for investors.