These guides explain the rules and the prices behind the calculators, in plain language. Each one shows its working with figures taken from the same code the tools use, names its sources and shows when it was last reviewed. They are written by Mufti Abdul Baseer and are general information, not legal, financial or religious advice.
Guides
Invoices, billing and accounts
What a Pakistani tax invoice contains, how trading documents differ, and keeping a shop or office tidy.
What a Pakistan sales tax invoice must contain
The particulars section 23 of the Sales Tax Act lists, what NTN and STRN are, how e-invoicing changes things, and the limits of any invoice generator.
6 min readUpdated 18 Oct 2026
Invoice vs quotation vs receipt vs challan
What each trading document is for, who issues it, what it proves, and the order they are used in from first price to final payment.
6 min readUpdated 18 Oct 2026
Amounts in words: lakh and crore
The lakh and crore place values, how digits are grouped in Pakistan, and how to write rupee amounts in words, with worked examples.
5 min readUpdated 18 Oct 2026
Daily cash book and trial balance basics
What a cash book is, how debits and credits work in it, a daily closing routine and what a month-end trial balance does and does not prove.
5 min readUpdated 18 Oct 2026
Shop counter: billing, stock and udhaar
How to set up items and prices, sell loose goods by weight, keep stock right, control credit sales and tally the till each night.
5 min readUpdated 18 Oct 2026
Work and end-of-service pay
How gratuity is worked out in the UAE and Qatar, and what your rights are when a job ends.
How UAE gratuity works
The formula behind UAE gratuity, with worked examples, the two-year cap, what counts as basic salary and how the new savings scheme differs.
6 min readUpdated 18 Oct 2026
Resignation vs termination
Why resigning no longer cuts your UAE gratuity, what the old law used to do, and the things that still matter when you leave.
5 min readUpdated 18 Oct 2026
Qatar gratuity explained
The 21-day formula behind Qatar gratuity, worked examples, what Article 61 means for dismissal, and a side-by-side comparison with the UAE.
5 min readUpdated 18 Oct 2026
UAE final settlement checklist
The items in a UAE final settlement, how each is worked out, the 14-day deadline, and a checklist for checking the figure before you sign.
5 min readUpdated 18 Oct 2026
Umrah and Hajj planning
What a pilgrimage really costs, why Ramadan is expensive, and how to save for it.
Realistic Umrah cost from Pakistan
Every cost in a trip from Pakistan, the ranges published for 2026, three worked budgets and what to ask before you pay an operator.
5 min readUpdated 18 Oct 2026
Saving for Hajj on any income
A step-by-step savings plan with monthly amounts for different timelines, and what to do when your income is low or irregular.
5 min readUpdated 18 Oct 2026
Umrah in Ramadan: why it costs more
Why Ramadan is the most expensive time for Umrah, which parts of the trip rise most, and practical ways to plan around it.
5 min readUpdated 18 Oct 2026
Masjid and madrasa records
Receipts, fee vouchers and registers that keep an institution’s money trustworthy.