CGT Calculator
Work out the tax on the profit from a PSX share sale. Your rate is set by the date you bought, so the same gain can be taxed at anything from nothing to 30%.
The rates, by when you bought
Every rate below still applies today, an old holding is taxed under the rules in force when it was acquired, which is why the table runs back to 2013. Non-ATL columns reflect the 100% increase under the Tenth Schedule where it applies.
| When you bought | Holding period | Filer | Non-filer |
|---|---|---|---|
| Before 1 July 2013 | Any | 0% | 0% |
| 1 July 2013 – 30 June 2022 | Any | 12.5% | 25% |
| Bought 1 July 2022 – 30 June 2024 · the rate falls the longer you hold | |||
| — | Under 1 year | 15% | 30% |
| — | 1 to 2 years | 12.5% | 25% |
| — | 2 to 3 years | 10% | 20% |
| — | 3 to 4 years | 7.5% | 15% |
| — | 4 to 5 years | 5% | 10% |
| — | 5 to 6 years | 2.5% | 5% |
| — | Over 6 years | 0% | 0% |
| Bought on or after 1 July 2024 · holding period no longer matters | |||
| 1 July 2024 – 30 June 2025 | Any | 15% | 30% |
| On or after 1 July 2025 | Any | 15% | 15% |
Non-ATL holders of securities bought on or after 1 July 2025 are charged at slab rates with a 15% floor rather than a flat doubled rate, and the Finance Act 2026 removed the Tenth Schedule exclusion that created that treatment. Confirm the current-year position against the latest NCCPL rate notice before relying on the last row.
How the rules changed
Six pieces of legislation shaped the rates above. Knowing which one your holding falls under explains most of the difference between two investors paying different tax on the same gain.
CGT on listed securities moves to the NCCPL-collected regime. Anything bought before this date stays outside it and is never charged.
The filer and non-filer split hardens: 15% for ATL investors against 30% for those off the list on newer acquisitions.
Everything bought between July 2013 and June 2022 is fixed at a flat 12.5%. New buys get the six-year sliding scale from 15% down to zero.
Division VII is replaced. Buys from 1 July 2024 carry a flat 15% for filers with no holding-period relief at all.
Non-ATL investors move to slab rates with a 15% minimum, and the six-year relief is narrowed to pre-July-2024 holdings.
Rates left alone, but the Tenth Schedule exclusion that shielded non-filers from the 100% increase is removed from 1 July 2026.
Worth knowing
The tax is on the gain, not the sale
Sell Rs. 3,000,000 of shares that cost you Rs. 2,000,000 and the tax is worked out on the Rs. 1,000,000 you made, not the full proceeds.
It does not touch your salary
Gains on securities are taxed separately under their own rate. They are not added to salary or business income and will not push you into a higher slab.
A loss carries forward
Losses on securities can only be set against gains on other securities, in the same year or for up to three years after, never against salary or business income.
NCCPL collects it for you
It computes the tax from its own trade records, collects it monthly through your broker and issues a certificate after year end for your return. Its figure can differ slightly from this one.
Dividends are separate
Dividend income is taxed on its own when paid, under a different section. This page covers only the profit on selling the shares.
Your buying date is what matters
Two investors selling the same share on the same day can pay different rates. Holding longer only reduces tax on shares bought between July 2022 and June 2024.
Disclaimer
This calculator is provided by Floret Capitals for informational and educational purposes only and is an estimate for your own planning. It is not tax advice, an offer, a solicitation or a recommendation to buy, sell or subscribe for any security. Rates are set by the annual Finance Act and can change; NCCPL computes the official figure from its own trade records and issues a certificate each tax year, and that certificate is what you file. Confirm your position with a qualified tax adviser before acting on any figure shown here.
For any question on this calculator, email research@floretcapitals.com.