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Gold is deeply woven into Pakistani culture — bought for weddings, saved as a hedge, and given as gifts at births and milestones. But the price of gold moves daily, and the number quoted in the Sarafa market depends on the international spot price, the dollar-rupee exchange rate and local supply and demand. This gold calculator ties all of those together into one instant valuation.

The calculator starts from the international spot price of gold (US dollars per troy ounce) fetched from our live market feed. It converts that to the weight unit you choose — grams, tolas or troy ounces — applies the purity of your gold (24K down to 16K), and finally converts the value into Pakistani Rupees at the live interbank rate. The result is the pure metal value of your gold.

Understanding karats is essential. 24K gold is 99.9% pure and is what international spot prices refer to. 22K (91.7% pure) is the standard for jewellery in Pakistan because pure gold is too soft for everyday wear; the remaining metal is alloy added for durability. 21K, 20K and 18K are increasingly used for fashion jewellery, and 16K is rare and lower in value. The calculator adjusts the value proportionally — 22K gold is worth 22/24 of the 24K price.

A tola is the traditional South Asian unit of gold — 11.66 grams — and the unit in which Pakistani newspapers and the Sarafa Association quote daily rates. Entering 1 tola gives you the number to compare directly with the day's quoted tola rate. Note that the local market rate typically includes a small premium above the international price, and jewellers add making charges and wastage on top of the metal value.

Use this calculator before any significant gold purchase or sale: value your existing jewellery by weight and purity, compare the 22K and 24K options for a planned purchase, or track the value of an investment in gold over time as prices move. It is also a handy check on the rate a jeweller quotes you.

An EMI (Equated Monthly Instalment) is the fixed amount you pay a bank or lender every month until your loan is fully repaid. It is the single most important number to know before signing any home, car, bike, or personal loan agreement in Pakistan, because it determines how much of your monthly income goes to debt and for how long. This EMI calculator lets you see that figure instantly for any loan amount, interest rate and tenure.

The calculation follows the standard reducing-balance amortisation formula used by State Bank of Pakistan-regulated banks and non-bank finance companies. Interest is charged on the outstanding principal, not the original amount, which means early payments go mostly toward interest and later payments mostly toward principal. Understanding this is why comparing EMIs across banks can save you hundreds of thousands of rupees over a 10-year home loan.

When Pakistani banks quote a home finance rate, they usually offer KIBOR-based pricing — for example 'KIBOR + 3%'. The effective annual rate you enter should be the full percentage you will actually pay, not just the spread. Use your bank's stated effective rate, or the advertised rate for a car or personal loan, to get a realistic EMI figure rather than an optimistic one.

Use this calculator to experiment before you negotiate: increase the down payment to shrink the principal, lengthen the tenure to lower the monthly EMI (at the cost of more total interest), or shop between banks to find the lowest rate. A rule of thumb is that your total monthly debt payments should not exceed roughly 40–50% of your take-home income, so check your EMI against that before committing.

The results show your monthly EMI, the total amount you will repay (principal plus interest), and the total interest component. Keep these numbers when comparing bank offers — they reveal that a slightly higher rate over a long tenure costs far more than a small difference in the monthly figure suggests.