Freelancer Tracker PK
For Pakistani freelancers · Google Sheets & Excel

You billed $1,000.
How much reached your bank?

Platform fees, Payoneer's conversion fee and bank tax withholding quietly eat into every payment. This tracker adds it all up and shows your real take-home in dollars and rupees, plus a PSEB tax estimate.

Get the free version Full version: $7

Instant download. Full version is a one-time payment. Works in free Google Sheets and Excel.

The tracker's dashboard: this tax year's earnings, fees, take-home in USD and PKR, and a month-by-month table.
Where the money goes

On a $1,000 job you keep about $873 on Upwork, and $776 on Fiverr

  • Platform fee: about 10% on Upwork (it varies), 20% on Fiverr
  • Payoneer conversion: up to 2% when you withdraw to a Pakistani bank
  • Bank tax withholding: 1% if you're not registered with PSEB, 0.25% if you are
  • Payoneer yearly fee: $29.95 if you receive under $6,000 in 12 months

Example figures. Your fees depend on your platform, plan and bank.

Bar chart: of a $1,000 payment, about $873 reaches the bank on Upwork and $776 on Fiverr, after platform fee, conversion and tax withholding.
What it shows you

Your freelance money, finally in one place

Add one row each time you get paid. Everything else calculates itself.

$Real take-home

What you earned, every fee, and what actually reached your bank, in USD and PKR, every month.

%Every fee you paid

Platform fees, Payoneer and transfer costs, and how much you lost on the exchange rate.

RsPSEB tax estimate

Your tax at 0.25% vs 1%, and how much registering with PSEB could save you this year.

80The 80% check

Whether enough of your income came through approved banking channels to keep the lower rate.

!Payoneer fee warning

A heads-up if you're on track to receive under $6,000 and pay the $29.95 yearly fee.

↑Expenses & profit

Log internet, software and equipment costs, and see your profit and which platform pays best.

A look inside

Simple sheets, no formulas to write

You type only in the blue cells. A Start Here tab walks you through setup in four steps.

Tax Estimate tab: foreign income in PKR, share through approved channels, tax at 1% and at 0.25%, and the PSEB saving.
Tax Estimate. Foreign income in rupees, the 80% approved-channel check, tax at 1% vs PSEB's 0.25%, and what registering could save.
Platform comparison table and charts: earnings and fee percentage for Upwork, Fiverr and direct clients, and take-home per month.
By platform. See which platform really pays you best once fees are counted.
Income Log: one row per payment with client, platform, amount billed, platform fee, take-home, PKR received and the rate you got.
Income Log. One row per payment. It works out the fee, your take-home, the rate you actually got and what you lost on conversion. (Scroll sideways on a phone.)
How it works

Set up in ten minutes

Download

Get the file instantly after checkout. You'll also get an email with the download link.

Open it

Upload it to Google Drive and open with Google Sheets (free), or open it in Excel.

Log each payment

Set your PSEB status and dollar rate once, then add a row whenever you get paid.

Pricing

Start free. Upgrade when you want the full picture.

Lite

$0 free
  • Income log in USD and PKR
  • Monthly dashboard and chart for the tax year
  • Google Sheets and Excel
  • Fee breakdown
  • PSEB tax estimate
  • Expenses, profit and platform comparison
Get the free version

Full Most useful

$7 one-time, about Rs 2,000
  • Everything in Lite
  • Every fee: platform, Payoneer, exchange rate
  • PSEB 0.25% vs 1% tax estimate and the 80% check
  • Payoneer yearly-fee warning
  • Expenses, profit and platform comparison
  • Free updates during the 2026-27 tax year
Buy the full version: $7

Secure checkout by Polar. Pay by card; you'll get the file and a receipt by email.

FAQ

Questions

Do I need Microsoft Excel?

No. Upload the file to Google Drive and open it with Google Sheets, which is free. It also works in Excel.

Is this tax advice?

No. It gives estimates to help you understand your numbers. Tax rules change with each budget, so check FBR/PSEB or a tax adviser before filing.

What if the tax rates or Payoneer fees change?

Every rate is in the Settings tab, so you can change it in seconds. I'll also send an updated version if the rules change during this tax year.

Can you see my data?

No. The file lives on your own computer or Google Drive. Nothing is sent to me.

I'm not registered with PSEB. Is it still useful?

Yes. It tracks your income and fees either way, and shows how much registering could save.

Does it work for local (PKR) clients?

Yes. Choose "Local client (PKR)" as the platform. Local income is kept out of the export tax estimate.

How do I get the file after paying?

Right after checkout you'll see a download link, and Polar emails you a receipt with the same link. If anything goes wrong, email me and I'll send it directly.

Can I get a refund?

Yes, within 14 days of purchase, no questions asked. See the refund policy below.

Policies

Refunds, terms and privacy

Refund policy

If the tracker isn't useful to you, email ehtishamdatatools@gmail.com within 14 days of purchase for a full refund. No questions asked.

Refunds go back to the card you paid with, through Polar.

Terms

You can use the tracker for your own freelance work. Please don't resell or share the paid file.

The tracker gives estimates only and is not tax, legal or financial advice. Payments are processed by Polar, the merchant of record, under its buyer terms.

Privacy

Polar handles payment and gives me your name and email so I can deliver the file and send updates. I never sell your email.

I can't see anything you type into the tracker. This website uses no cookies or tracking.

Not tax advice. Tax figures are estimates based on 2026 rules and examples. Rules change; check FBR, PSEB or a tax adviser for your own case. Not affiliated with Upwork, Fiverr, Payoneer, FBR or PSEB.