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National Savings Profit Calculator

Work out the monthly, half-yearly or maturity profit on National Savings (CDNS) schemes at the rates in force from 1 October 2026, after withholding tax for filers and non-filers.

Rs
Tax status
Withholding tax is 15% for filers on the FBR Active Taxpayers’ List and 30% for others. Behbood and Pensioners’ Benefit profit has no withholding.
Short Term certificate period
Only for Short Term Savings Certificates.
years
Only for Defence Savings Certificates (1 to 10 years).
%
Leave blank to use the CDNS rate from 1 Oct 2026. CDNS revises rates often; enter a newer rate here, or the rate on your own certificate.

Net monthly profit

Rs 10,600

Behbood Savings Certificates, on Rs 1,000,000 at 12.72% a year

Profit rate12.72% (CDNS rate from 1 Oct 2026)
Profit before taxRs 10,600
Withholding taxNone (exempt)
Profit after taxRs 10,600
Tax on a year’s profit when you file your return, at most (5% cap)Rs 6,360
Profit in a year, after taxRs 127,200

Profit rates from 1 October 2026

SchemeRate a yearTerm and payout
Behbood Savings Certificates12.72%10 years, monthly profit
Pensioners’ Benefit Account12.72%10 years, monthly profit
Regular Income Certificates11.76%5 years, monthly profit
Special Savings Certificates11.6%, 12.9% last half-year3 years, profit every 6 months
Defence Savings Certificates11.8%10 years, profit added to value
Short Term Savings Certificates10.8% (3 mo), 11.08% (6 mo), 11.31% (12 mo)3, 6 or 12 months, profit at maturity
Savings Account10%No fixed term, profit once a year

How it is calculated

  1. Monthly schemes: amount × rate ÷ 12. Special Savings: amount × rate ÷ 2 every six months. Short Term: amount × rate × months ÷ 12.
  2. Defence Savings Certificates: the CDNS table of encashment values per Rs 100,000 after each year (Rs 305,000 after 10 years) is scaled to your amount. If you enter your own rate, profit is compounded yearly instead.
  3. Tax: 15% of profit for filers, 30% for non-filers. Behbood and Pensioners’ Benefit have no deduction; tax on their profit in your return is capped at 5%.

Example: Rs 1,000,000 in Regular Income Certificates at 11.76%. Monthly profit is Rs 9,800; after 15% tax (Rs 1,470) a filer gets Rs 8,330. A non-filer gets Rs 6,860. The same amount in Behbood certificates pays Rs 10,600 a month.

Rates were taken from the CDNS website on 13 October 2026. CDNS revises them often; enter a newer rate under “Profit rate” above.

Frequently asked questions

How much profit will I get on Rs 1 million in Behbood certificates?

At the rate from 1 October 2026 (12.72% a year), Rs 1,000,000 in Behbood Savings Certificates pays Rs 10,600 a month. No withholding tax is deducted. Behbood certificates are for people aged 60 or over, widows and persons with disabilities, up to Rs 7.5 million (Rs 15 million joint).

How much tax is deducted on National Savings profit?

Under section 151 of the Income Tax Ordinance, CDNS deducts 15% of the profit if you are on the FBR Active Taxpayers’ List and 30% if you are not (the Tenth Schedule doubles the rate for non-filers). Behbood Savings Certificates, the Pensioners’ Benefit Account and the Shuhada Family Welfare Account are outside this withholding, and the tax on their profit cannot exceed 5%.

Which scheme pays the most?

From 1 October 2026, Behbood and the Pensioners’ Benefit Account pay 12.72%, but only eligible people can invest. For everyone else, Defence Savings Certificates yield 11.8% a year if held for 10 years, Regular Income Certificates pay 11.76% monthly and Special Savings Certificates 11.6% (12.9% in the last half-year).

Why might my profit differ from this?

CDNS revises its rates often, sometimes several times a year, and this calculator uses one rate for the whole period. Your certificate may carry a different rate from the one shown here, and zakat or early encashment charges can reduce what you receive. Check the rate on your certificate with your National Savings Centre and enter it above.

Is zakat deducted from National Savings?

According to CDNS, Behbood certificates, the Pensioners’ Benefit Account, Regular Income and Short Term certificates are exempt from zakat deduction, while zakat is deducted at source from Defence and Special Savings Certificates under the rules. You can still owe zakat yourself; use the zakat calculator.

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This calculator gives an estimate for guidance. It is not official advice. Rates and rules change, so confirm important decisions with the relevant authority or a qualified professional. See how we calculate, or report a mistake.