Run the numbers before anyone runs them for you.
Five calculators that turn a headline price into the real decision: monthly instalments, the true cash after taxes, net yield after charges, the off-plan file schedule, and the filer vs non-filer tax gap. No sign-up, no email.
Home loan calculator
Estimate monthly instalments on a Pakistan home loan. Financing is far less common here than cash and file buying. Banks usually want 20 to 35% down and lend to about age 60 to 65, often through Islamic products like Meezan and HBL.
Indicative only. Verify current rates. Pakistan mortgage rates track KIBOR and have been high in recent years, so most buyers pay cash or use developer instalment plans instead of bank finance.
Total purchase cost and transfer tax calculator
Pakistan has no single transfer fee like Dubai's 4%. The real cost is a stack: stamp duty, CVT, town registration and the FBR withholding tax, which is much higher for non-filers. This adds them up so you know the true cash needed.
Taxes are charged on the DC rate and FBR notified value, not the market price. Both are usually well below what you actually pay, so real tax is often lower than this estimate. See the glossary for DC rate vs FBR value.
Indicative, verify current rates. On a PKR 2 crore property, plan for roughly PKR 20.8 lakh in taxes and fees, about 10.4% of value. A non-filer pays materially more on the FBR withholding, which is the single biggest lever here.
Rental yield and ROI calculator
Gross yield sells the headline, net yield pays the bills. Enter the price and expected annual rent to see both. Pakistan gross residential yields are typically lower than the Gulf, roughly 3 to 5%, so most buyers here play for capital growth on files.
Indicative. Apartments in Karachi and Lahore clear roughly 4 to 6% gross, plot files often yield nothing until built, trading purely on capital appreciation.
Payment plan simulator
Files and off-plan units are booked on instalment plans, a down payment, quarterly instalments through construction, and a balance on possession or ballot. See exactly what a plan asks for and when.
Plus transfer taxes and the society transfer fee at possession. Confirm the live schedule per phase, developers revise plans between releases. On files, there is no statutory escrow, so verify the NOC and the developer's delivery record.
Overseas Pakistani and filer-status checker
Pakistan has no residency-by-investment scheme, so the real lever is tax status. Filers pay far less FBR withholding than non-filers, and overseas Pakistanis can buy and repatriate through the Roshan Digital Account and Roshan Apna Ghar.
Indicative rates, verify the current Finance Act. Becoming a filer before you buy is usually the single cheapest saving available. Overseas buyers should route funds through a Roshan Digital Account for repatriability and clean documentation.
Every calculator here feeds the same decision: what to actually buy. Give the Advisor your budget and goal and it ranks real projects against these exact figures.