3) Lower Middle (PKR 75k–150k)
The most squeezed class. Pays bills honestly. No subsidies. No leverage. Electricity, fuel, and rent break the budget. One emergency pushes them downward.
4) Middle Class (PKR 150k–350k)
Stable, not secure. Often survives because:
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house inherited
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lives outside gated Tier-1 localities
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compromises on schools, healthcare, mobility
Without inheritance, this class does not accumulate assets. It only maintains dignity.
5) “Upper Middle” (PKR 350k–800k salaried)
This is where charts lie the most.
On paper: comfort.
In reality: taxed, trapped, and time-poor.
A PKR 500k salary today:
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~170k goes straight to taxes (direct + indirect)
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rent + utilities + food consume most of the rest
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net discretionary cash collapses to ~30k–40k
What SUV? What posh house?
Calling this class “financially free” is economic fantasy.
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