Capital Gains Tax Calculator (Property & Shares)

The capital gains tax calculator Pakistan computes CGT on the sale of immovable property (plots, houses, flats) and shares under the FBR rules in force from 1 July 2025. Enter what you paid, what you sold for, and the holding period - the tool picks the correct holding-period-based rate and instantly shows your gain and the tax due.

Capital gains are not added to your salary and then taxed - they are charged at separate final rates, which reward longer holding periods. Whether you are selling a plot in DHA, an apartment in Gulberg or PSX shares, knowing your capital gains tax rate in Pakistan before you sign the transfer deed can change your negotiation by lakhs of rupees.

Enter the original purchase price (cost of acquisition) and the sale price of your asset, then slide the holding period. The calculator reads the holding period from the FBR schedule and applies the right rate - 0% beyond eight years of ownership, all the way up to 45% for properties held under a year.

• Enter purchase price and sale price in the number fields.
• Set the holding period using the slider - exact days or years.
• The gain and the applicable rate appear immediately.
• Switch between property and shares to compare the schedules.

The holding period runs from the date of acquisition to the date of transfer. A few extra months of ownership can drop you into a lower bracket, so test the slider before finalising a sale date.

For immovable property sold in the tax year 2025-26, capital gain is the difference between the sale consideration and the original cost of the property. That gain is then charged at the holding-period rates of the Finance Act 2025: 45% for property held for one year or less; 30% for more than one but up to two years; 22.5% for two to three; 12% for three to four; 6% for four to five; 3% for five to six; 1.5% for six to seven; 0.75% for seven to eight; and 0% beyond eight years.

For shares and mutual funds, the rates are lower: 15% for listed securities held up to one year and 12.5% beyond one year, with losses set off against gains of the same class only. Capital gains are a final tax - they are excluded from the normal income slabs and cannot be adjusted against your salary or business tax.

• Gain = sale consideration minus cost of acquisition.
• The holding period selects the CGT rate.
• Property gains use the holding-period table up to 45%.
• Share gains use the 15%/12.5% schedule.

Bilal bought a Gulberg III plot in Lahore for Rs 15,000,000 in March 2023 and sold it for Rs 21,000,000 in November 2025 - a holding period of about two years and eight months. His gain is Rs 6,000,000, taxed at 22.5% (the two-to-three-year rate), giving CGT of Rs 1,350,000.

If Bilal had instead waited until May 2026 - just over three years - the rate would drop to 12% and his tax to Rs 720,000, a saving of Rs 630,000 for a delay of six months. This is the single most important planning insight of the property CGT schedule.

• Using the old flat-rate CGT regime - the Finance Act 2025 reintroduced a full holding-period-based rate table; the old percentages from earlier years no longer apply to 2025-26 sales.
• Counting the holding period from the agreement date instead of the transfer date - the clock runs from when you acquired title.
• Applying share CGT rates to property - property gains use the up-to-45% table; securities use 15% and 12.5%.
• Ignoring losses - capital losses on shares can be set off against share gains in the same tax year.