Pakistan's money, explained and calculated.
Free calculators and plain guides for tax, bank charges, savings, investing, property and cars. Every figure comes from FBR, SBP, PBS or the banks, with the date it was checked.
Calculators
Money
- Salary Tax Calculator Pakistan 2026-27 Tax per month Rs 500 Your monthly tax and take-home pay under the 2026-27 FBR slabs, with the pension fund, donation and zakat savings.
- Inflation Calculator Future cost Rs 265,571 What something will cost in a few years, and what your money will be worth, at Pakistan's current inflation rate.
- Committee (BC) Calculator Your payout Rs 100,000 Your committee payout, the month-by-month schedule, and whether your turn gains or loses value once inflation is counted.
- 236Y Tax and Foreign Card Fee Calculator 2026-27 You pay Rs 5,257 What a payment abroad really costs on a Pakistani card: the bank's foreign transaction fee, tax on the fee and 236Y, compared across 14 cards.
- Freelancer Tax Calculator Pakistan 2026-27 Tax deducted in a year Rs 9,000 What your bank deducts on foreign freelance, IT export and YouTube income in 2026-27: 0.25% with PSEB, 1% without, 5% on social media payouts.
- Personal Loan Calculator Pakistan: Installment, Interest and SBP Limits Monthly installment Rs 37,164 Work out the monthly installment and total interest on a personal loan from any Pakistani bank, and check it against the State Bank's limits.
- Zakat Calculator Pakistan: Nisab 1447 AH and Zakat Due Zakat due Rs 37,500 Work out your zakat on cash, gold, silver, shares and business stock, with the government's nisab of Rs 503,529 for 1447 AH and how bank deduction works.
- Gratuity Calculator Pakistan: Private Sector Gratuity and Tax Gratuity Rs 1,200,000 Work out your gratuity under the Standing Orders (one month's pay for each year of service, any part over six months counted) and the part that is tax-free.
Investing
- SIP Calculator Estimated value Rs 2,786,573 See what a monthly mutual fund investment grows to, with yearly step-up and the result in today's money.
- VPS Tax Saving Calculator 2026-27 Tax saved this year Rs 15,600 How much tax a Voluntary Pension System contribution saves you this year, the most that counts, and what the account could grow to.
- Dividend Tax Calculator Pakistan 2026-27 Tax deducted Rs 15,000 Work out the tax deducted from a dividend on shares, mutual funds and REITs in 2026-27: 15% for filers, 25% on the debt part of a fund, double for non-filers.
Property & Cars
- Property Tax Calculator 2026-27: Buyer, Seller and Capital Gains Federal tax on the transfer Rs 400,000 Work out 236C for the seller, 236K for the buyer and capital gains tax on the profit, at the 2026-27 rates, with last year's cost alongside.
- Car Installment Calculator: Monthly Payment, Interest and Total Cost Monthly installment Rs 102,533 Work out the monthly installment on a car loan or Islamic car ijarah from any bank, with the interest, insurance and what the car costs you in all.
- Rental Yield Calculator Pakistan: Gross, Net and After Inflation Net rental yield 3.33% Work out the gross and net rental yield on a house, flat, shop or plaza in Pakistan, after empty months, owner's costs and inflation.
- Punjab Token Tax Calculator 2026-27: Cars and Motorcycles Yearly token tax with income tax Rs 17,500 Work out the yearly token tax on a car registered in Punjab under the 2026-27 rates, with the income tax collected with it, for filers and non-filers.
Bank charges, July to December 2026
Latest guides
- VPS in Pakistan: What the Voluntary Pension System Is and How It Cuts Your Tax A plain explanation of VPS: who can open one, how the tax credit works, when you can take the money out, and when it is not worth it.
- Property Taxes in Pakistan 2026-27: What You Pay When You Buy or Sell Section 236C is a flat 2.75% for sellers and 236K a flat 1.25% for buyers in 2026-27, with capital gains tax and non-filer rates explained.
- Minimum Wage in Pakistan 2026-27: Punjab, Sindh, KP, Balochistan and Islamabad The minimum wage each province has actually notified for 2026-27, with daily and hourly rates, skilled grades in Sindh, and what is still only announced.
- Filer vs Non-Filer in Pakistan 2026-27: What Changes and How to Become a Filer Check your ATL status, register on IRIS, file your return, and see what non-filers pay more on in 2026-27, from property to cash withdrawals.
- Asaan Connect: Open a PSX and Mutual Fund Account Online with CDC Asaan Connect is CDC's free portal to open stock, mutual fund and insurance accounts online. What you need, the steps and how it works.
- How to Use a Credit Card in Pakistan Billing cycles, minimum payments, statements, OTPs and what to do when a card is lost. The guide for after you get the card.
- Real Estate vs DCR: The Rental Income Lesson Nobody Taught Us Rs 50 lakh in a flat or in DCR units: which pays more rent, with the numbers worked out and what compounding does to them.
- Credit Card Charges in Pakistan: July to December 2026 Annual fees, late payment, cash advance and foreign transaction charges for 10 Pakistani banks, from their July to December 2026 Schedules of Charges.
- Best Countries to Study Abroad for Pakistani Students: Costs, Visa Funds and Work Rules Tuition, visa proof of funds, visa fees and work rules for Germany, Italy, France, the UK and Canada, with amounts in each country's currency.