Free tool
Installment (Qist) Calculator for Pakistan
For bikes, mobile phones, solar systems, home appliances and more. Enter the cash price, advance and your markup, and get the installment amount and the full schedule with due dates — monthly, weekly, daily or half-yearly. Free, no sign-up.
Try an example
Example figures only — change them to your own.
Cash price of the bike, phone, solar or appliance
Down payment taken today
Your profit on the balance after advance
Plan by
Your plan
12 monthly installments of
Rs 12,000
- Price
- Rs 150,000
- Advance
- − Rs 30,000
- Balance
- Rs 120,000
- Markup (20%)
- + Rs 24,000
- Total in installments
- Rs 144,000
- Total installment price
- Rs 174,000
Installment schedule
12 payments| No. | Due date | Installment | Balance after |
|---|---|---|---|
| 1 | — | Rs 12,000 | Rs 132,000 |
| 2 | — | Rs 12,000 | Rs 120,000 |
| 3 | — | Rs 12,000 | Rs 108,000 |
| 4 | — | Rs 12,000 | Rs 96,000 |
| 5 | — | Rs 12,000 | Rs 84,000 |
| 6 | — | Rs 12,000 | Rs 72,000 |
| 7 | — | Rs 12,000 | Rs 60,000 |
| 8 | — | Rs 12,000 | Rs 48,000 |
| 9 | — | Rs 12,000 | Rs 36,000 |
| 10 | — | Rs 12,000 | Rs 24,000 |
| 11 | — | Rs 12,000 | Rs 12,000 |
| 12 | — | Rs 12,000 | Rs 0 |
How it works
Work out a qist plan in four steps
- 01
Enter the price
The cash price of the bike, phone, fridge, furniture or plot.
- 02
Take the advance
Whatever the customer pays today. The rest is the balance.
- 03
Add your markup
Your profit % on the balance — the calculator adds it for you.
- 04
Pick the plan
Monthly, weekly or daily, by number of installments or a fixed amount.
After the sale
Run every installment in HisabMate
The calculator gives you the plan. HisabMate keeps it: every sale, every payment and every late customer, on PC and Android.
- Schedule created automatically on every installment sale
- Customer and guarantor name, phone, CNIC and address
- Payments fill the oldest unpaid installment first
- Receipts and schedules printed on the spot
- Overdue, arrears and defaulter lists always ready
- Recovery officers see only their own routes
FAQ
Questions
How is a monthly installment calculated?
Take the price, subtract the advance (down payment), add your markup on what is left, then divide by the number of installments. Example: price Rs 150,000, advance Rs 30,000, markup 20% → balance Rs 120,000 + markup Rs 24,000 = Rs 144,000, or Rs 12,000 a month for 12 months.
Is the markup charged on the full price or on the balance?
This calculator applies the markup to the balance after the advance — the amount the customer actually pays over time. A bigger advance means a smaller markup.
Can I plan weekly or daily installments?
Yes. Choose daily, weekly, monthly, quarterly, half-yearly or yearly, and the schedule shows every due date from the first one you pick.
What if the customer wants to pay a fixed amount each time?
Switch to "By installment amount" and enter the amount. The calculator works out how many installments it takes; the last one is the remainder.
Why is the last installment a little different?
Installments are rounded to whole rupees. The last one carries the remainder, so the total always matches to the rupee.
How do I keep track of the installments after the sale?
In HisabMate every installment sale gets its schedule automatically, with guarantor and CNIC details. Payments fill the oldest unpaid installment first, receipts print on the spot, and overdue and defaulter lists are always ready. The in-app calculator also prints the plan as a quotation.
Roman Urdu
Qist kaise calculate karte hain?
Qeemat mein se advance minus karein, baqi par apna munafa (markup) jorein, phir qiston ki tadaad se taqseem karein. Misal: 1,50,000 qeemat, 30,000 advance, 20% markup → 1,20,000 + 24,000 = 1,44,000, yani 12 mahine mein 12,000 mahana.
Markup poori qeemat par lagta hai ya baqi raqam par?
Is calculator mein markup advance ke baad wali baqi raqam par lagta hai. Advance zyada ho to markup kam banta hai.
Kya haftawar ya rozana qist ka plan ban sakta hai?
Ji haan. Rozana, haftawar, mahana, teen mahine, chhe mahine ya saalana chunein — har qist ki tareekh schedule mein aa jati hai.
Customer har dafa fixed raqam dena chahe to?
"By installment amount" chunein aur raqam likhein. Calculator khud bata dega kitni qistein banengi; aakhri qist baqi raqam ki hogi.
Qist ka hisab rakhne ke liye konsa software acha hai?
HisabMate mein har qist sale ka schedule khud banta hai, guarantor aur CNIC ke sath. Customer jo raqam de, woh sab se purani baqi qist mein jati hai, receipt foran print hoti hai, aur overdue aur defaulters ki list tayar rehti hai.
See how HisabMate compares to other software in Pakistan
Sell on installments with confidence
Free trial — no card, no advance payment. Pay only when you are satisfied.