Mobile Load Tax Calculator (Jazz, Zong, Telenor, Ufone)
See how much balance you get from a mobile load after tax, on any network in Pakistan.
How mobile load tax works in Pakistan
When you recharge a prepaid SIM, the network collects 15% advance withholding tax for FBR before the balance reaches you. The tax is charged on the balance, so a Rs 100 load is split into Rs 86.96 of balance and Rs 13.04 of tax. The rate is the same on Jazz, Zong, Telenor, Ufone and SCOM.
Formula: balance received = load ÷ 1.15, and withholding tax = load − balance.
A second tax applies later. When you use the balance for calls, SMS or data that are not part of a bundle, 19.5% sales tax is charged on the usage. Out of Rs 86.96 of balance, about Rs 72.77 is the value of the service and Rs 14.19 is sales tax.
Balance received on common loads
| Load | Withholding tax | Balance received | Value after 19.5% sales tax |
|---|---|---|---|
| Rs 50 | Rs 6.52 | Rs 43.48 | Rs 36.38 |
| Rs 100 | Rs 13.04 | Rs 86.96 | Rs 72.77 |
| Rs 200 | Rs 26.09 | Rs 173.91 | Rs 145.53 |
| Rs 300 | Rs 39.13 | Rs 260.87 | Rs 218.30 |
| Rs 500 | Rs 65.22 | Rs 434.78 | Rs 363.83 |
| Rs 1,000 | Rs 130.43 | Rs 869.57 | Rs 727.67 |
Worked example
You load Rs 100.
- Balance received: 100 ÷ 1.15 = Rs 86.96
- Withholding tax: 100 − 86.96 = Rs 13.04
- Value of calls, SMS and data: 86.96 ÷ 1.195 = Rs 72.77
- Sales tax on usage: Rs 14.19
- Total tax: 13.04 + 14.19 = Rs 27.23, which is 27.23% of the load
To end up with exactly Rs 100 of balance, load 100 × 1.15 = Rs 115.
Things to know
- Bundles and packages: their advertised prices usually include tax, so the price shown is what leaves your balance.
- Operator fees: some networks also take a small service or operational fee on certain recharges. The calculator shows tax only.
- Income tax filers: withholding tax on mobile load is adjustable, so a filer can claim it against income tax in the annual return. Operators can issue a tax certificate for it.
- Rate changes: both rates are set by the government and can change with a budget. The boxes can be edited if they do.
Rates last reviewed in November 2026. This is an estimate and not tax advice.
How to cite this page
CalcPulse. (2026). Mobile Load Tax Calculator. https://calcpulse.com/mobile-load-tax-calculator-pakistan/
Sources
The rates and rules on this page were checked against these official sources.
Frequently asked questions
How much balance do I get on a Rs 100 load?
Rs 86.96. The network deducts Rs 13.04 as 15% withholding tax.
How much tax is deducted on mobile load in Pakistan?
15% advance withholding tax on the recharge, and 19.5% sales tax when the balance is used for calls, SMS and data.
How is mobile load tax calculated?
Divide the load by 1.15 to get the balance. The difference between the load and the balance is the withholding tax.
How much should I load to get Rs 100 balance?
Rs 115. Multiply the balance you want by 1.15.
Is the tax the same on Jazz, Zong, Telenor and Ufone?
Yes. The withholding tax rate is set by law and is the same on every network.
Can I get the mobile load tax back?
If you file an income tax return, the withholding tax is adjustable against your tax liability. Ask your operator for a tax certificate.
Last reviewed and updated by the CalcPulse team