⚠️ Disclaimer

1. General Purpose Statement

HisaabPK (hisaabpk.site) is an independent, free-to-use online platform that provides financial calculation tools and educational content for Pakistani users. All calculators, guides, blog articles, and other content published on this website are provided strictly for general informational and educational purposes only.

Nothing on this website constitutes or should be construed as professional financial advice, tax advice, accounting advice, legal advice, investment advice, or religious (Shariah) advice. HisaabPK is not a licensed financial advisor, tax consultant, chartered accountant, lawyer, or Islamic scholar.

2. Income Tax & Salary Calculations

Our Income Tax Calculator and Salary Calculator use income tax slabs as published in official Finance Bills and Finance Acts. For the fiscal year 2026-27, we use the slabs announced in Budget 2026-27 presented on June 12, 2026. However:

• Finance Bills are subject to amendment before becoming law. Final rates in the Finance Act may differ from announced rates.
• Individual tax liability is affected by factors not captured in a general calculator — tax credits, rebates, agricultural income, foreign income, exempt allowances, disability exemptions, senior citizen relief, and more.
• The super tax, minimum tax, alternate corporate tax (ACT), and other surcharges may apply to certain taxpayers and are not fully modelled in our tools.
• FBR may issue clarificatory circulars or SROs after budget that modify the application of announced rates.
• Our results are a reasonable estimate, not a definitive tax assessment. Always verify with the FBR IRIS portal or a registered tax practitioner.

3. Zakat Calculations

Our Zakat Calculator is built on widely-accepted Hanafi fiqh principles, using the silver Nisab standard (52.5 tola = 612.36 grams) as the default, given that it is the more conservative threshold and is followed by the majority of Pakistani scholars and institutions including the Pakistan Ulema Council and most major madrasas.

However, Zakat is a religious obligation and scholarly opinions differ on numerous details:

• The gold Nisab (7.5 tola = 87.48 grams) standard is also used by many scholars, particularly for assessing Zakat on gold itself.
• Treatment of business stock, receivable debts, investment properties, pension funds, provident funds, and shares varies by scholarly opinion.
• The Nisab price we display is an indicative market estimate — actual gold and silver spot prices fluctuate daily.
• We strongly recommend consulting a qualified Islamic scholar or your local mosque's Zakat committee before calculating and distributing Zakat, especially for business assets or complex holdings.

4. Islamic Inheritance (Mirath / Faraid) Calculations

Islamic inheritance law (Faraid) is one of the most technical branches of Islamic jurisprudence. Our calculator handles the most common family configurations per Hanafi fiqh, including Asabah (residuaries), Awl (proportional reduction when shares exceed estate), and Radd (return of surplus to heirs).

This calculator cannot and does not handle:

• Scenarios involving unborn heirs (Haml), missing persons (Mafqood), or uncertainty about the order of death
• Inheritance across different madhabs (Shafi'i, Maliki, Hanbali rules differ in some cases)
• Pakistani civil law inheritance (Succession Act 1925 applies to non-Muslims; Muslim Family Laws Ordinance 1961 affects some aspects)
• Will (Wasiyyah) — bequests up to one-third of estate to non-heirs, which reduce the Faraid distributable estate
• Debts of the deceased, which must be settled before Faraid distribution

Always consult a qualified Mufti and/or a Muslim family law practitioner before distributing any estate. Our tool is a reference aid, not a legal or religious ruling.

5. Capital Gains Tax Calculations

CGT rules in Pakistan have been amended multiple times in recent years. Our calculator reflects the rules as understood from the most recent Finance Act and FBR clarifications. Individual CGT liability can be affected by:

• Filer vs non-filer status (different WHT and CGT rates apply)
• Type of asset (open plots, constructed property, apartments, shares, mutual funds have different rate schedules)
• Holding period (longer-held assets may qualify for lower rates or exemptions)
• Cost of improvement, legal fees, and brokerage deductibility
• Exemptions available to first-time home buyers or for self-occupied properties

6. EMI and Loan Calculations

Our EMI Calculator assumes a standard fixed reducing-balance interest calculation. Actual loan terms from banks may differ due to processing fees, insurance requirements, variable interest clauses, early repayment penalties, or Islamic finance (Murabaha/Ijarah) structures which work differently from conventional interest-bearing loans.

7. Stamp Duty and Registration Charges

Stamp duty and registration fee rates are set by provincial governments and are updated periodically. Rates shown are based on the most recently available provincial notifications. Actual charges can vary based on property category, location (urban/rural), transaction type, and applicable exemptions. Always verify with your local revenue authority (Patwari, Sub-Registrar office, or PLRA/SRA).

8. Content and Blog Accuracy

Blog articles and guides on HisaabPK are written to be accurate at the time of publication. Tax laws, FBR regulations, court judgments, and government policies change frequently. We update our content when we become aware of changes, but we cannot guarantee that every article reflects the most current legal position at the time you read it. Dates of last review are shown on individual articles.

9. No Professional Relationship

Use of this website does not create a client-consultant, attorney-client, advisor-advisee, or any other professional relationship between you and HisaabPK or its team. We do not accept confidential information through this platform and are under no obligation to keep your use of the site confidential.

10. Limitation of Liability

To the fullest extent permitted by applicable law, HisaabPK, its owners, developers, writers, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on this website — including but not limited to tax penalties, FBR notices, incorrect Zakat calculation, incorrect estate distribution, or any financial loss.

Always verify any result that will affect a real financial decision with a qualified, licensed professional.