1. Tools Designed for Pakistan's Financial Reality
Most financial and productivity tools are built with the US or European market in mind. Pakistani professionals routinely deal with FBR tax slabs, EOBI contributions, informal savings circles (kameti), and city-specific gold prices — none of which are handled by generic calculators. Rafiqy.app has built a dedicated suite of Pakistan-specific tools that understand local regulations, currencies, and customs. All tools are free, require no sign-up, and work in any browser.
2. Key Features at a Glance
- Pakistan Tax Calculator: FBR slab-based salary income tax for current salaried slabs, deductions panel, monthly planning view, and shareable result summary
- Salary Slip Generator: gross/net salary computation, EOBI (Rs 370/month), PESSI/SESSI (6% employee contribution), income tax deduction, allowances (house rent, medical, conveyance), PDF export
- Kameti Tracker: add members, set monthly contribution, auto-rotate draw order, mark payments, send reminders, export rotation schedule
- Gold & Silver Calculator: live gold price (USD + PKR), manual price fallback, calculate value for tola/gram/kg, local city price context (Karachi, Lahore, Islamabad)
- Tax Shield Optimizer: Section 62 (mutual funds), 63 (life insurance), 64 (pension) deduction analysis, exact tax saving per rupee, optimal allocation across instruments
- Pakistan ID & Tax Hub: CNIC province/division/gender/year decoder, NTN lookup helper, driving fine categories by province, penalty amounts
- Driving Fine Tracker: log fines by category, track payment status and due dates, by province (Punjab, Sindh, KPK, Balochistan), calculate total outstanding
3. Pakistan Tax Calculator
Pakistan's income tax system uses a slab-based structure that changes every budget year, making manual calculations error-prone. Rafiqy's Pakistan Tax Calculator is updated for the current FBR tax year and is designed primarily for salaried income planning, which is what most payroll users and employees need when checking monthly withholding or annual salary tax.
The calculator focuses on the decisions salaried users actually care about: annual salary, monthly take-home, bonus impact, current slab effect, VPS contribution, charity credit, and year-over-year comparison. If you earn primarily business or freelance income, you should not treat the salary calculator as a full replacement for business-income tax treatment because that follows a different practical path.
4. Salary Slip Generator
Generating a compliant salary slip in Pakistan requires applying several mandatory deductions correctly. Rafiqy's Salary Slip Generator handles all of them automatically. Enter gross salary and the tool computes EOBI contribution (Rs 370 per month employee contribution as per current EOBI Act), PESSI or SESSI contribution (6 % employee share — PESSI for Punjab, SESSI for Sindh), and the correct income tax withholding based on FBR slabs.
Standard allowances — house rent allowance, medical allowance, and conveyance allowance — can be entered individually and are reflected in the gross-to-net breakdown. The finished salary slip exports to PDF in a format that meets standard HR and audit requirements. Whether you are an HR manager processing payroll for a small team or an employee verifying your own deductions, this tool removes the spreadsheet complexity entirely.
5. Kameti Tracker
The kameti (also known as committee or chit fund) is an informal rotating savings circle widely used in Pakistan. A group of people each contribute a fixed amount monthly, and one member receives the entire pool each month. Managing it manually — tracking who has paid, whose turn is next, and who owes what — creates endless confusion and disputes.
Rafiqy's Kameti Tracker formalises the process digitally. Add all members by name, set the monthly contribution amount, and the tool automatically generates and manages the draw rotation order. Mark each month's payments as received or pending, and the tracker sends optional payment reminders. The full rotation schedule — showing who receives the pool in which month — can be exported and shared with all members, creating transparency and accountability without requiring a separate group chat.
6. Gold & Silver Calculator
Gold is a primary savings vehicle in Pakistan, and its price fluctuates daily in both USD and PKR. Rafiqy's Gold & Silver Calculator auto-fetches the live gold price in both currencies so your calculation always uses today's rate. If you are offline or prefer a specific rate (e.g., from your local jeweller), a manual price entry fallback overrides the live feed.
Enter any weight in tola (the traditional South Asian unit), grams, or kilograms and the tool instantly calculates the total value. Critically, the calculator provides local city price context for Pakistan's three major markets — Karachi, Lahore, and Islamabad — because gold prices in Pakistan's physical markets vary slightly by city due to local demand and dealer margins. This makes the tool far more useful for practical buying and selling decisions than a generic international gold calculator.
7. Tax Shield Optimizer & Pakistan ID Hub
Many salaried Pakistanis pay more tax than necessary simply because they are unaware of the investment-linked tax deductions available under the Income Tax Ordinance. The Tax Shield Optimizer maps your income against three key sections: Section 62 (investment in mutual funds — up to 20 % of taxable income deductible), Section 63 (life insurance premiums), and Section 64 (contributions to approved pension funds). For each section, it shows the exact tax saving per rupee invested at your marginal rate, and recommends the optimal allocation across all three instruments to maximise your total tax shield without exceeding statutory limits.
The Pakistan ID & Tax Hub provides a set of reference utilities: the CNIC decoder reads the structure of a 13-digit CNIC to tell you the province, division, gender code, and registration year encoded in the number — useful for data validation and HR processes. An NTN lookup helper guides you through the FBR portal lookup process. Driving fine categories and penalty amounts by province are also included, giving you a quick reference before visiting a traffic court.
8. Driving Fine Tracker
Pakistan's provincial traffic authorities issue fines under different schedules — a speed violation in Punjab carries a different penalty than the same violation in Sindh or KPK. The Driving Fine Tracker lets you log fines by category (speeding, signal violation, document offence, etc.), track payment status and due dates, and filter your record by province (Punjab, Sindh, KPK, Balochistan). The tracker shows your total outstanding amount across all unpaid fines — a clear, consolidated view that is far easier to manage than paper challans scattered in a glove box.
Together, these seven tools cover the financial lifecycle of a working Pakistani professional: earning (salary slip, tax calculator), saving (gold calculator, tax shield), community finance (kameti), compliance (CNIC/NTN hub), and day-to-day obligations (driving fines). All free, all local, all in one place.