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Freelancer Take-Home Calculator (Pakistan)

See exactly how many rupees reach your bank from Upwork, Fiverr or a direct client, and which withdrawal route keeps the most.

Updated 29 October 2026

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How it works

1

Enter what the client pays and choose the platform.

2

Tell us if you’re registered with PSEB.

3

Compare every withdrawal route, best first, with every fee shown.

Example

Example only. A client pays $1,000 on Upwork with a 10% fee. After the fee you have $900. Converted through Payoneer at about 2% below the market rate on the date shown (Rs 276.77 per $1 on 29 October 2026), and with 1% tax, about PKR 241,670 reaches your bank. The rate changes every day, so the calculator above always uses the latest rate we have checked.

Where our numbers come from

Related tools and guides

Frequently asked questions

Banks and payment companies convert at a rate a little below the market rate. That gap is a hidden fee, and the calculator shows it for each route.

Freelancers registered with the Pakistan Software Export Board pay a lower final tax on IT export income received through banks. The calculator shows the difference.

It depends on the amount, the platform and the current rates. Enter your numbers and the calculator ranks every route for you.

They’re estimates based on published fees and the market rate on the date shown. Always check the exact amount in your app before you withdraw.

This tool gives estimates for information only. It is not financial or tax advice.