Mutual Fund Capital Gains Tax Calculator 2026-27

Profit from mutual funds, collective investment schemes and REITs is taxed when you redeem your units, and the fund deducts the tax before it pays you. For Tax Year 2026-27 individuals and AOPs pay 15% on the gain, while companies pay 15% on stock funds and 25% on other funds. Under the Finance Act 2026 this deduction is now a final tax. Enter your gain above to see how much the fund will hold back.

Mutual fund and REIT gain tax rates for 2026-27

• Individuals and AOPs: 15% on gains from stock funds and from other funds such as money market, income and Islamic funds.
• Companies, stock funds: 15%.
• Companies, other funds: 25%.
• Units held for more than six years: 0%, where the calculator’s six-year option applies.

Because the deduction is a final tax, the gain is not added to your other income or pushed into higher slabs. You still report it in your return.

How do I use the mutual fund tax calculator?

1. Enter your gain and choose the investor and fund type. Type the capital gain on your units, then pick the option that matches you, for example Individual / AOP – Stock Funds.

2. Click Calculate Tax. The result shows your gain and the tax on it.

How much tax on an Rs. 800,000 fund gain?

• An individual redeeming stock fund units: 15%, or Rs. 120,000.
• An individual redeeming money market fund units: also 15%, or Rs. 120,000.
• A company redeeming money market fund units: 25%, or Rs. 200,000.

Only the gain is taxed, not the full redemption amount. If you put in Rs. 2,000,000 and take out Rs. 2,800,000, the Rs. 800,000 difference is the figure to enter.

How is this different from tax on shares?

Shares you hold directly are taxed under the securities rules, where filers pay 15% on shares bought from July 2024 and non-filers pay on a rising scale. The capital gains tax on shares calculator covers that. With a fund, the asset management company works out the gain on your units and deducts the tax itself, as one more case of withholding tax at source.

Does being a filer matter for fund gains?

Yes, for the money around your investment. Banks and funds apply higher withholding to people who are not on the Active Taxpayers List on many transactions, so staying a filer keeps those costs down. The comparison of filer and non-filer tax rates shows where the gaps are largest.

What changed for fund investors in the 2026-27 budget?

The Finance Act 2026 made the tax on fund redemptions a final tax and kept the 15% and 25% rates. The full list of changes is in the Federal Budget 2026-27 income tax summary. If you are also selling property this year, the property capital gains tax calculator handles that separately.

This calculator gives an estimate based on the Finance Act 2026. Your fund’s redemption statement shows the exact gain and tax deducted, so use those figures when you file.

Need help reporting investment gains?

We prepare returns for people with fund, share and property income and match them to the statements your fund and broker issue. Speak to our investment tax consultants, or explore the other tools on the Pakistan tax calculator.