Free, live finance calculators — type your numbers and the answer updates instantly. Choose your currency (PKR, USD, AED, GBP and more) at the top of each calculator.
Personal Finance calculators
Budgeting, saving, taxes and zakat — simple money habits that build a stronger household.
50/30/20 Budget Calculator
Split your monthly take-home income into needs, wants and savings.
How this calculator works
The 50/30/20 rule puts 50% of after-tax income towards needs (rent, bills, groceries), 30% towards wants (eating out, shopping) and 20% towards savings and debt repayment.
Pakistan Salary Tax Calculator
Monthly and yearly income tax on salary using the latest FBR slabs.
How this calculator works
Tax is worked out on annual taxable salary using progressive slabs: a fixed amount for the slab plus a percentage of income above the slab start. Slabs can be updated by the site owner after every budget.
Zakat Calculator
Check nisab and calculate 2.5% zakat on your zakatable wealth.
How this calculator works
Add cash, bank balances, gold, silver, business stock and money owed to you, then subtract debts due now. If the total is at or above nisab (52.5 tola / 612.36 g of silver), zakat is 2.5%. Consult a scholar for your specific situation.
Savings Goal Calculator
Find the monthly amount you need to save to reach a target.
How this calculator works
Uses the future value of your current savings plus a monthly deposit, compounded monthly at your expected return.
Emergency Fund Calculator
How big your safety net should be — and how fast to build it.
How this calculator works
Experts suggest keeping 3–6 months of essential expenses (6–12 if your income is irregular) in an easy-to-access account.
Inflation Calculator
See future prices and the falling value of your money.
How this calculator works
Future cost = today’s cost × (1 + inflation)^years. The real value of money falls by the same factor.
Estimates for education only — confirm with your bank, broker or tax adviser. Your numbers stay in your browser.
Banking & Credit calculators
Loans, credit cards, deposits and smart borrowing — understand the real cost before you sign.
Loan EMI Calculator
Monthly installment, total interest and total payment for any loan.
How this calculator works
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the loan amount, r the monthly interest rate and n the number of months.
Credit Card Payoff Calculator
How long it takes to clear your card and the interest you will pay.
How this calculator works
Each month interest is added at APR ÷ 12 and your payment is subtracted, until the balance reaches zero.
Fixed / Term Deposit Calculator
Maturity value of a term deposit, before and after tax.
How this calculator works
Maturity = Deposit × (1 + rate ÷ n)^(n × years), where n is how often profit is compounded each year.
Home Loan Affordability Calculator
How much house you can afford based on income and existing debts.
How this calculator works
Lenders usually cap total monthly debt at a share of income (debt-to-income ratio). We turn the affordable installment into a loan amount and add your down payment.
Estimates for education only — confirm with your bank, broker or tax adviser. Your numbers stay in your browser.
Business Finance calculators
Margins, break-even, sales tax and cash flow — the numbers every business owner must know.
Break-Even Calculator
Units and sales needed to cover all costs.
How this calculator works
Break-even units = Fixed costs ÷ (Price per unit − Variable cost per unit).
Profit Margin & Markup Calculator
Profit, margin % and markup % from cost and selling price.
How this calculator works
Margin = Profit ÷ Selling price. Markup = Profit ÷ Cost. A 50% markup is only a 33% margin.
Sales Tax / GST Calculator
Add or remove sales tax from any amount.
How this calculator works
Add tax: Gross = Net × (1 + rate). Remove tax: Net = Gross ÷ (1 + rate). Pakistan’s standard federal sales tax is 18%; change the rate for your country or product.
Cash Runway Calculator
How many months your business can operate on current cash.
How this calculator works
Net burn = Monthly expenses − Monthly revenue. Runway = Cash ÷ Net burn.
Estimates for education only — confirm with your bank, broker or tax adviser. Your numbers stay in your browser.
Investing calculators
Stocks, mutual funds, compounding and retirement — invest wisely for long-term wealth.
SIP / Monthly Investment Calculator
Future value of regular monthly investing, with optional yearly step-up.
How this calculator works
Each monthly investment grows at your expected return, compounded monthly. A step-up raises the monthly amount once a year.
Compound Interest Calculator
Grow a lump sum and monthly additions over time.
How this calculator works
Compound interest earns returns on your returns. We compound at your chosen frequency and add monthly contributions.
CAGR Calculator
Average yearly growth rate between two values.
How this calculator works
CAGR = (Final value ÷ Initial value)^(1 ÷ years) − 1.
Retirement Planner
The fund you need at retirement and the monthly saving to get there.
How this calculator works
We inflate today’s expenses to your retirement age, work out the fund needed to cover them until your planning age, then find the monthly investment required.
Estimates for education only — confirm with your bank, broker or tax adviser. Your numbers stay in your browser.
Business calculators
Starting, running and growing a business or freelance career — practical, numbers-first guidance.
ROI Calculator
Return on investment, total and per year.
How this calculator works
ROI = (Final value − Cost) ÷ Cost. Annualised ROI spreads the return over the holding period.
Payback Period Calculator
How long until an investment pays for itself.
How this calculator works
Payback period = Initial investment ÷ Monthly net cash inflow.
Freelancer Hourly Rate Calculator
Turn your income goal into the hourly rate you should charge.
How this calculator works
Rate = (Desired income + Business costs) ÷ (1 − Tax rate) ÷ Billable hours per year.
Product Pricing Calculator
Selling price from cost and target profit margin.
How this calculator works
Price = Cost ÷ (1 − Margin). Optional sales tax is added on top.
Estimates for education only — confirm with your bank, broker or tax adviser. Your numbers stay in your browser.
Finance News calculators
Markets, economy, policy and rates — what the latest news means for your money.
Currency Converter
Convert between currencies at the rate you enter.
How this calculator works
Enter today’s rate from your bank or the State Bank of Pakistan. Converted amount = Amount × Rate.
Percentage Change Calculator
Change between two values — prices, indexes, salaries.
How this calculator works
Percentage change = (New − Old) ÷ Old × 100.
Inflation Calculator
See future prices and the falling value of your money.
How this calculator works
Future cost = today’s cost × (1 + inflation)^years. The real value of money falls by the same factor.
Estimates for education only — confirm with your bank, broker or tax adviser. Your numbers stay in your browser.
