1.Acceptance of terms
By accessing or using Fintooliq (fintooliq.com), you agree to these Terms of Use and our Privacy Policy. If you do not agree, please do not use the site.
2.Our service
Fintooliq provides free online calculators, including:
- an income tax calculator for Pakistan, the USA, the UK, the UAE, Canada and Australia, using current and previous year slabs;
- a loan / EMI calculator for home, car and personal loans, with an amortization schedule and Islamic finance mode;
- a budget planner that shows your surplus or deficit and applies the 50/30/20 rule.
No registration or account is required, and calculator inputs are processed in your browser.
3.Not financial advice
All results are estimates for informational and educational purposes only. They are not financial, tax, investment or legal advice, and they do not create any adviser–client relationship.
Results may not reflect your full circumstances, such as allowances, deductions, credits, regional taxes, lender fees or Islamic finance contract terms. Always verify with the official tax authority, your lender, or a qualified professional before making financial decisions.
4.Accuracy of information
We work to keep tax rates, slabs and rules up to date, but tax laws change regularly and errors can occur. We do not guarantee that any calculation, rate or content is complete, current or error-free. If you spot a problem, please let us know.
5.No affiliation
Fintooliq is an independent website. We are not affiliated with, endorsed by or acting on behalf of any government body, tax authority (such as FBR, IRS, HMRC, FTA, CRA or ATO), regulator, bank or financial institution.
6.Acceptable use
You agree not to:
- use the site for any unlawful purpose;
- attempt to disrupt, overload or gain unauthorised access to the site or its servers;
- scrape, copy or republish the site's tools or content at scale without permission;
- use automated tools to generate artificial traffic or interactions.
7.Intellectual property
The Fintooliq name, logo, design, text and code are owned by Fintooliq unless stated otherwise. You may use the tools for personal, non-commercial purposes and share links to our pages. Any other use requires our written permission.
8.Analytics and third parties
The site uses Google Analytics. No advertising is currently served; if that changes, these terms and our Privacy Policy will be updated first. Links to official government websites and other third-party sites are provided for convenience; we do not control and are not responsible for their content, accuracy or privacy practices.
9.Limitation of liability
The site is provided “as is” and “as available”, without warranties of any kind. To the fullest extent permitted by law, Fintooliq is not liable for any loss or damage — including financial loss, tax penalties or missed deadlines — arising from your use of, or reliance on, the site or its results.
10.Changes to the site and terms
We may change, suspend or remove any tool or feature at any time. We may also update these terms from time to time; the date at the top of this page shows when they last changed. Continued use of the site means you accept the current terms.
11.Governing law
These terms are governed by the laws of Pakistan. Any disputes will be subject to the jurisdiction of the courts of Pakistan.
12.Contact
Questions about these terms? Email hello@fintooliq.com or visit our contact page.