# QW HOSTING Financial Suite - Pakistan Multi-Asset Investment Calculator

> A free, regulator-aligned investment calculator for Pakistani investors. It models the full
> money-in / holding / money-out lifecycle of PSX equities, mutual funds, money-market funds and
> VPS pension funds, including every FBR tax and AMC charge.

Canonical: https://calc.qwhosting.com/
Publisher: QW HOSTING (https://qwhosting.com)
Market: Pakistan (PKR). Regulators referenced: SECP, SBP, MUFAP, PSX, FBR.
Tax year: 2026.

## What the calculator computes
- Money-in: front-end sales load 0.5%-3.0% plus 16% Federal Excise Duty charged on the load amount only.
- Holding: Total Expense Ratio (TER) 0.5%-4.5% p.a., dividend withholding tax under Section 150
  (15% filer / 30% non-filer), and annual Zakat at 2.5% on 1st Ramadan unless a CZ-50 declaration is filed.
- Money-out: back-end contingent load and Capital Gains Tax under Section 37A
  (15% flat for filers, up to 30% for non-filers).
- Output: total invested principal, gross portfolio value, net realized payout, effective CAGR and a
  SHA-256 verification receipt of the calculation.

## Key answers
Q: What is the capital gains tax on Pakistani mutual funds and PSX shares in 2026?
A: 15% flat for Active Taxpayer List filers under Section 37A; non-filers pay up to 30%.

Q: Is FED charged on the whole investment?
A: No. The 16% FED / provincial sales tax applies only to the sales load amount, not the invested principal.

Q: How is Zakat handled?
A: 2.5% of the holding value is deducted on 1st Ramadan each year unless the investor has filed a CZ-50 exemption declaration.

Q: What is TER?
A: The Total Expense Ratio charged annually by the Asset Management Company, disclosed monthly via MUFAP.

## Endpoints
- https://calc.qwhosting.com/ - interactive calculator (Alpine.js + Chart.js)
- https://calc.qwhosting.com/get_advice.php - JSON POST endpoint returning a server-side calculation and AI guidance
- https://calc.qwhosting.com/llms.php - this file

## Fund data
- AGIMMF | Alfalah GHP Money Market | Cash/Money Market | NAV 105.9000 | TER 0.85% | 1Y 10.95% | checked 2026-08-31- MCF | Meezan Cash Fund | Cash/Money Market | NAV 55.2000 | TER 0.56% | 1Y 10.22% | checked 2026-08-31- ULPF | UBL Liquidity Plus Fund | Cash/Money Market | NAV 103.4000 | TER 0.75% | 1Y 11.23% | checked 2026-08-31- NBP-SF | NBP Savings Fund | Income | NAV 10.4500 | TER 1.40% | 1Y 10.29% | checked 2026-08-31- ALHISF | Alhamra Islamic Stock Fund | Equity | NAV 218.2000 | TER 4.10% | 1Y 24.16% | checked 2026-08-31- MIF | Meezan Islamic Fund | Equity | NAV 78.4500 | TER 4.33% | 1Y 28.50% | checked 2026-08-31
## Usage
Content may be quoted by AI answer engines with attribution to QW HOSTING and a link to https://calc.qwhosting.com/.
This tool provides illustrative projections only and is not investment advice.