Guides
Clear, practical explanations of the numbers behind our tools — tax slabs, gratuity rules, invoicing, ad metrics and loans — with worked examples you can check yourself.
How Income Tax on Salary Works in Pakistan (2026-27): Slabs, Examples & Take-Home Pay
The FY 2026-27 salary tax slabs explained with worked examples, a comparison with 2025-26, and how to work out your monthly deduction and take-home pay.
🇵🇰 Uses: Pakistan Salary Tax CalculatorFreelance · 10 min readFreelancer Tax in Pakistan: 0.25% vs 1% on IT Exports, PSEB and Filing Explained
How Pakistani freelancers are taxed on foreign IT income under section 154A: 0.25% with PSEB vs 1% without, worked examples and how to file.
🇵🇰 Uses: Pakistan Salary Tax CalculatorFinance · 10 min readHow UAE Gratuity Is Calculated: End-of-Service Rules With Worked Examples
UAE end-of-service gratuity explained: 21 and 30 days of basic pay, part years, unpaid leave, the 2-year cap and resignation, with worked examples.
🇦🇪 Uses: UAE Gratuity CalculatorFreelance · 10 min readHow to Write a Freelance Invoice (With What to Include, Payment Terms & a Free Template)
What a freelance invoice must include, how to number it, Net 15 vs Net 30, late fees, VAT reverse charge and billing clients abroad, with a filled sample.
🧾 Uses: Invoice GeneratorMarketing · 10 min readWhat Is a Good ROAS? How to Calculate Break-Even ROAS (With Examples)
A good ROAS is one above your break-even point. Learn break-even ROAS = 1 ÷ margin, ROAS vs ROI vs POAS, and why a 4x ROAS can still lose money.
🎯 Uses: ROAS CalculatorFinance · 10 min readFlat Rate vs Reducing Rate Loans: Which Costs More? (EMI Examples)
Flat vs reducing rate loans explained with EMI formulas and examples. See why 18% flat is about 28.9% reducing, plus KIBOR, EIBOR and prepayment tips.
🏦 Uses: Loan EMI Calculator