About Shyraz Habib — Creator of AKCalc

What I Focus On

• Official sources only. Every formula is cross-referenced against the actual law or regulatory publication — FBR, NEPRA, OGRA, MOHRE, HMRC, MHRSD, and others. I do not estimate or guess.
• Keeping calculations current. Tax slabs, utility tariffs, and labour laws change regularly. I update calculators when official rates change — not months later.
• Plain explanations. Every calculator includes a clear breakdown of the formula used, so you understand your result — not just the number.
• No data collection. Every calculation runs entirely inside your browser. Nothing is sent to any server. No account required.

Data Sources I Use

Every calculator on AKCalc is built on official published formulas. Here is exactly what I reference per tool:

• Income Tax & Salary (Pakistan): FBR Finance Act 2026-27 progressive tax slabs.
• Zakat: Nisab threshold based on 87.48g gold or 612.36g silver per Hanafi scholarly consensus.
• EOBI Pension: EOBI Act 1976 as amended in 2023; current minimum wage notification.
• Electricity Bills: NEPRA Schedule of Tariff FY2025-26.
• Gas Bills (SNGPL & SSGC): OGRA-approved domestic tariff slabs 2025-26.
• UAE Gratuity: MOHRE Federal Decree Law No. 33 of 2021 (effective Feb 2022).
• Saudi Gratuity: MHRSD Labour Law Articles 84–86.
• Kuwait Indemnity: Private Sector Labour Law No. 6 of 2010.
• Qatar Gratuity: Labour Law No. 14 of 2004.
• Oman Gratuity: Royal Decree 35/2003.
• Bahrain Indemnity: Legislative Decree No. 36/2012.
• UK Self-Employed Tax: HMRC Spring Budget 2026/27 rates, Class 4 NI rules.
• BMI: WHO Global Classification + IASO Asia-Pacific revised cut-offs (2000).
• CGPA: HEC Pakistan 4.0-scale grading framework.

Found an Error?

If a result does not match your payslip, official notice, or utility bill, I want to know immediately. Email [email protected] or use the Contact page. I review every report within 48 hours and push verified corrections immediately.

What AKCalc Does Not Do

• No legal or financial advice. These calculators provide estimates based on published formulas. For official tax filing, legal disputes, or investment decisions, always consult a qualified professional.
• No data stored or sold. All calculations are client-side only.
• No account, no paywall. Every tool is permanently free.