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Tax Calculator

INTRODUCTION

Don't you want to save more of your hard-earned money from taxes?

It is simple! When you save through Voluntary Pension Schemes (VPS) with National Investment Trust Limited (NITL), you get twin benefits of earning returns and reducing your taxes. Therefore, say goodbye to taxes and give more power to your savings.

CALCULATE HOW MUCH YOU CAN SAVE ON YOUR TAXES!

TAX REBATE TABLE YEAR 2025-2026

Tax Rebate Table 2025-2026

HOW CAN I DO THIS?

STEP 1

CALL US AT 0800-00648 to know more about Tax Rebate in Pension Funds.

You can also visit www.nit.com.pk and create an account in just a few minutes.

STEP 2

For salaried individuals:

Inform your HR/Finance department about your investments and ask them to adjust your tax credit from monthly income tax deductions.

For self-employed/non-salaried:

When filing your personal income tax returns, adjust your tax payable and attach a copy of your statement of investment.

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FAQs

Tax credit is the reduction in your taxable income when you invest in NIT's Voluntary Pension Scheme (VPS), as per Section 63 of the Income Tax Ordinance, 2001.

Yes. You can claim tax credit on investments up to 20% of your annual taxable income.

To enjoy full tax benefits, your contributions should remain in the VPS until retirement age. Early withdrawals may have tax implications.

Salaried individuals can request their HR/Finance department to adjust the tax credit in their monthly deductions. Non-salaried individuals can claim it while filing annual income tax returns by attaching the investment statement from NIT.

Yes, tax credit on VPS investments is allowed under Section 63 of the Income Tax Ordinance, 2001.

The rebate depends on your annual taxable income and tax rate. Generally, you can claim up to 20% of your taxable income invested in NIT's VPS as tax credit.

You can claim it through your HR/Finance department (if salaried), or by adjusting it directly in your annual tax return (if self-employed/non-salaried) using your NIT investment statement.
Please Note:

Note-1: According to Section 63 of the Income Tax Ordinance, 2001, an individual Pakistani who holds a valid CNIC/NICOP can claim tax credit at the average rate of tax on investments made in Voluntary Pension Schemes (VPS) during the tax year, up to 20% of his/her taxable income for that year.

Tax credit amounts computed above are estimates based on an individual drawing income from salary for a whole tax year. Tax liabilities may change based on various circumstances, therefore it is strongly advised to consult your tax advisor/financial consultant for exact tax credit amounts based on your particular case.

Disclaimer: All investments in Voluntary Pension Schemes are subject to market risks. Past performance is not necessarily indicative of future results. Please read the Offering Document to understand the investment policies and risks involved. The tax credit information provided here is based on the interpretation of National Investment Trust Limited (NITL). Investors are advised to seek independent professional advice. Capital Gains Tax (CGT) and withholding tax on dividend/bonus units will be charged according to prevailing Income Tax Laws, if applicable. Withdrawals from VPS before retirement may have tax implications.

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