Prize Bond Tax Calculator
Calculate your exact prize amount after withholding tax — for both filers & non-filers.
Prize Bond Tax Calculator Pakistan — How It Works
Winning a National Savings Prize Bond is exciting, but the amount you actually receive in hand is lower than the announced prize because the government deducts withholding tax at source under the Income Tax Ordinance. This free Prize Bond Tax Calculator helps you instantly work out the exact take-home amount for any winning bond — whether you hold one bond or a whole bundle.
Simply select your bond denomination (Rs. 100, Rs. 200, Rs. 750, Rs. 1,500, Rs. 25,000 Premium, or Rs. 40,000 Premium), choose the prize category you've won (1st, 2nd, or 3rd prize), enter how many bonds you're claiming, and select whether you are a filer or non-filer with FBR. The calculator instantly shows your prize amount before tax, the tax deducted, and your final net receivable amount — including the bond's face value where applicable.
Filer vs Non-Filer Tax Rates
As per current tax regulations, prize bond winnings are subject to a flat withholding tax rate that depends on whether the winner is an active taxpayer (filer) or not (non-filer):
| Status | Withholding Tax Rate | Applies To |
|---|---|---|
| Active Filer (ATL) | 15% | All prize bond denominations |
| Non-Filer | 30% | All prize bond denominations |
Becoming a filer by registering with FBR and appearing on the Active Taxpayer List (ATL) can effectively double your net winnings compared to a non-filer, since the tax rate drops from 30% to 15% — a meaningful difference, especially on larger 1st prize amounts.
Prize Bond Tax Calculator
Net winnings after withholding tax — for filers & non-filers
How to Read Your Results
The calculator breaks your winnings into four clear figures. The Prize Amount is the gross value announced for your category in the official draw result. Tax Deducted shows the withholding tax taken at source — 15% for filers or 30% for non-filers — calculated on the gross prize amount. After Tax (Before Face Value) is what remains once tax is subtracted. Finally, Net Receivable adds back the original face value of the bond (Rs. 100, 200, 750, or 1,500) for standard bonds, since you receive your original bond's value along with the prize. For Rs. 25,000 and Rs. 40,000 Premium Prize Bonds, the net amount equals the after-tax figure, as these are registered bonds rather than bearer bonds.
Supported Bond Types
- Rs. 100, 200, 750, 1500 — standard bearer prize bonds with quarterly draws and three prize tiers.
- Rs. 25,000 & Rs. 40,000 Premium Prize Bonds — registered bonds that also carry a six-monthly profit (see our Premium Bond Profit Calculator).
Frequently Asked Questions
Is the tax rate the same for all prize bond denominations?
Yes. The current withholding tax rate on prize bond winnings is 15% for active filers and 30% for non-filers, regardless of the bond denomination or prize category.
Do I get my original investment back along with the prize?
For Rs. 100 to Rs. 1,500 bearer bonds, yes — the face value is added to your net amount since the bond itself is redeemed. Premium Prize Bonds (Rs. 25,000 / Rs. 40,000) are registered, so only the after-tax prize is paid out as winnings.
How can I check if my prize bond number actually won?
Use our Prize Bond Check Online tool to search your bond numbers against official draw results, or try our OCR Scanner to scan multiple bonds with your camera.
How do I become a filer to reduce my tax rate?
Register for an NTN with the Federal Board of Revenue (FBR) and file your annual income tax return to appear on the Active Taxpayer List (ATL). Being on the ATL at the time of prize payment qualifies you for the lower 15% rate instead of 30%. Find our complete guide to become filer in Pakistan