Household Budget
🇵🇰 PKR · official spending data

The Pakistan household budget

Based on average net household income ~₨60,000/month (PBS 2023) Adjust any category below, then export to PDF or Excel — free, no sign-up.

Loading budget builder…

Pakistan household budget breakdown

The average Pakistan household takes home approximately 60,000 PKR per month after taxes. Housing is typically the largest expense, accounting for around 22% of net income. The top spending categories are food & groceries (30%), housing (22%) and transport (10%). Financial guidelines recommend saving at least 3% of monthly income to build an emergency fund and long-term financial security. Use this free budget template to enter your own income, adjust each category to match your lifestyle, and export your personalised plan to PDF or Excel.

Based on PBS HIES (Household Integrated Economic Survey). Pakistan has experienced significant inflation in recent years; percentages remain reliable as structural guidelines even as absolute figures change.

Frequently asked questions

What is a typical monthly household budget in Pakistan?▾
Based on official spending data, a typical household in Pakistan spends around ₨ 60,000 (≈ $216 USD)/month. The largest expenses are food & groceries, housing, transport. Use the budget tool above to personalise these figures to your income.
How much of my income should I spend on housing in Pakistan?▾
The guideline for Pakistan is to spend around 22% of your monthly net income on housing costs (rent or mortgage, property taxes, and home insurance). On an income of ₨ 60,000 (≈ $216 USD)/month, that works out to about ₨ 13,200 (≈ $48 USD)/month.
What is a realistic grocery budget in Pakistan?▾
A typical household in Pakistan spends around 30% of monthly income on food and groceries — roughly ₨ 18,000 (≈ $65 USD)/month based on average incomes. This covers supermarket shopping but not dining out, which is tracked separately.
How much does transport cost per month in Pakistan?▾
Transport typically accounts for 10% of a household budget in Pakistan, or about ₨ 6,000 (≈ $22 USD)/month. This includes car costs, public transport, and fuel.
How much should I save each month in Pakistan?▾
Financial guidelines for Pakistan recommend saving 3% of your net monthly income — about ₨ 1,800 (≈ $6 USD)/month at the average income level. This covers emergency funds, retirement contributions, and investments.
Is Pakistan expensive to live in?▾
Pakistan has an average net household income of ₨ 60,000 (≈ $216 USD)/month. The biggest cost drivers are food & groceries and housing. Use the budget builder above to see a full breakdown and compare it with other countries.