How this check-up works
This one-minute check-up brings together five basics of your money in one place: your monthly salary, your electricity units, your savings, whether you are a filer, and any big purchase you are planning. Every result comes from the site's real calculators, the salary tax calculator, your electricity company's bill calculator, National Savings profit and the property or vehicle tax calculators, so the figures match what the full calculator shows.
The links next to each result open that calculator with your numbers already filled in, so you can see the full working, the official sources and the details. The check-up also shows how much more tax you pay as a non-filer, which is the most common reason to start filing a return.
Your numbers stay in your own browser and are not sent anywhere. This is an estimate, not advice; before a big decision, open the full calculator and check the official source.
What each part of the check-up means
Salary tax
In 2026-27, salary up to Rs 600,000 a year (Rs 50,000 a month) is not taxed. A common mistake is to think that a raise into a higher slab taxes your whole salary at the higher rate; the slab rate applies only to the part above that slab's starting point. These slabs also apply only when salary is more than 75% of your taxable income. Next: check your payslip against the salary tax calculator and read income tax slabs 2026-27.
Electricity
The check-up prices your units as an unprotected home with a 2 kW load and no fuel adjustment, so your real bill can differ. A home that used 200 units or less in each of the last six months is protected and pays much lower slab rates, but a single month above 200 units is billed at unprotected rates. Next: compare a printed bill in the electricity bill checker or learn how to read your electricity bill.
Savings
The savings estimate uses Regular Income Certificates at 12.12% a year, with 15% tax deducted from a filer's profit and 30% from a non-filer's. Senior citizens, widows, persons with disabilities and pensioners can get 12.96% with no withholding tax through Behbood Savings Certificates or the Pensioners' Benefit Account. Next: see National Savings schemes compared.
Filer status
A filer is someone on FBR's Active Taxpayers List. You must file a return if, among other things, your taxable income is above Rs 600,000 or you own a car above 1000cc. A late return keeps you off the list until you pay a surcharge of Rs 25,000. Next: confirm with the tax return filing checker and follow how to become a filer.
Big purchases
On property, a filer buyer pays 1.25% advance tax under section 236K, against 10.5% to 18.5% for a non-filer, and a filer seller pays 2.75% under section 236C. Tax is charged on the FBR or DC value, so writing a lower price in the deed does not lower it, and provincial stamp duty and fees come on top. For a car, the check-up assumes 30% down at 15% for five years; banks' offers differ. Next: read property transfer taxes in Pakistan or compare offers in the loan comparison calculator.