Finance tools
Salary, zakat, loans, savings, remittances
Finance
Gratuity
Work out the gratuity you are owed when you leave a job in Pakistan: 30 days of your last drawn wages for every completed year of service, with six months or more counting as a full year, under the Standing Orders Ordinance.
Gratuity for 6 yearsRs 480,000
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Finance
Overtime
Turn a monthly salary into an hourly rate and work out overtime at double pay for the extra hours in a week or month, as the Factories Act and the Shops and Establishments Ordinance require.
Overtime pay for 20 hours (month)Rs 9,615
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Finance
Take-Home Salary
See exactly what lands in your account: gross salary minus income tax, EOBI and provident fund, with an annual view.
Monthly take-homeRs 143,630
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Finance
Zakat
Calculate zakat on gold, silver, cash, savings and investments using today’s nisab in Pakistani rupees. Choose the silver or gold nisab and see exactly what is due.
Zakat payableRs 12,500
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Finance
Home Loan
Monthly installment, total mark-up and how much house you can afford on your income, for bank home loans and Islamic house finance in Pakistan.
Monthly instalmentRs 140,596
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Finance
Currency converter
Convert dollars, dirhams, riyals, pounds and euros to Pakistani rupees at today's interbank rate, and see what a bank remittance or the open market would actually give you.
$ 1,000 at interbankRs 277,300
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Finance
Personal loan
Monthly instalment and total mark-up on a personal or salary loan in Pakistan for any amount, rate and tenure, with the year-by-year balance so you can see how much is interest.
Monthly instalmentRs 38,320
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Finance
Salary increment
Enter your salary and the raise (percent or amount) to see the new gross, how much extra income tax you'll pay under the 2026-27 slabs, and what actually lands in your account.
New monthly salary (gross)Rs 165,000
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Finance
EOBI
Work out EOBI contributions for one employee or a whole payroll: employer 5% and employee 1% of the federal minimum wage (Rs 40,700 from July 2026), monthly and per year, plus who must register and when pension starts.
EOBI per month for 10 employeesRs 24,420
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Finance
National Savings
Monthly and yearly profit on National Savings certificates and accounts at the rates effective 18 July 2026, Behbood, Pensioners' Benefit, Regular Income, Defence Savings, Special Savings, after withholding tax for filers and non-filers.
Monthly profit after taxRs 8,160
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Finance
Provident fund
Project your provident fund: monthly employee and employer contributions on basic salary, the fund's profit rate and annual raises, to see the lump sum at leaving or retirement year by year.
Provident fund after 10 yearsRs 4,933,201
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