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Guides for running a Pakistani household

Straight answers on Pakistani household money, city by city and area by area. Real numbers, in rupees — no imported advice about 401(k)s.

Written for Pakistan · Prices in PKR · Updated August 2026

How the money works

The questions that are not about any particular place.

Monthly expense calculator for PakistanFree monthly expense calculator made for Pakistan. Put in your salary and city, and see rent, bijli, grocery, petrol and school fees worked out — in rupees.How much salary is enough to live in Pakistan?Is Rs 100,000 enough in Karachi? What about Lahore or Islamabad? Real monthly numbers for rent, grocery, bijli and school fees — and what is left over.Monthly expense sheet template for PakistanA free household expense sheet built around Pakistani categories — bijli, gas, school fees, family support. Download it for Excel or Google Sheets, in rupees.When your salary is not covering your expensesIf the money finishes before the month does, it is usually three lines doing the damage, not all of them. Here is how to find them, and the order to cut in.How much of your salary should you save — and where should it go?How much to save from a Pakistani salary, and where the rest can go — National Savings, mutual funds, gold, property and committee, explained plainly.What you actually need to buy for a new home in PakistanMoving into your own place? What you actually need on day one, in the first month, and later — with realistic Pakistani prices, so nothing catches you out.How to run a household on a Pakistani salaryGhar kaise chalayein when everything costs more? The five lines that decide your budget, how to cut the bijli bill, and a 20-minute monthly routine.When can you actually afford to live alone in Pakistan?Thinking of moving out? Here is the honest monthly cost of living alone in Karachi, Lahore and Islamabad — and the salary at which it stops being a struggle.What it costs for a couple to live on their ownWhat two people actually spend to live independently in Pakistan — rent by city, the lines that double, the ones that do not, and the salary it takes.

What each city costs

Rent, bills and the salary that carries them, city by city.

Cost of living in KarachiWhat a month in Karachi really costs in 2026 — rent by area and by salary, the fixed bills, what the commute takes, and the take-home that carries it.Cost of living in LahoreWhat a month in Lahore really costs in 2026 — rent by area and by salary, the fixed bills, what the commute takes, and the take-home that carries it.Cost of living in IslamabadWhat a month in Islamabad really costs in 2026 — rent by area and by salary, the fixed bills, what the commute takes, and the take-home that carries it.Cost of living in RawalpindiWhat a month in Rawalpindi really costs in 2026 — rent by area and by salary, the fixed bills, what the commute takes, and the take-home that carries it.Cost of living in FaisalabadWhat a month in Faisalabad really costs in 2026 — rent by area and by salary, the fixed bills, what the commute takes, and the take-home that carries it.Cost of living in MultanWhat a month in Multan really costs in 2026 — rent by area and by salary, the fixed bills, what the commute takes, and the take-home that carries it.

What each area costs

Real asking rents for the neighbourhoods people search by name.

What it costs to live in DHA KarachiWhat it costs to live in DHA Karachi — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in Clifton, KarachiWhat it costs to live in Clifton, Karachi — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in Gulshan-e-Iqbal, KarachiWhat it costs to live in Gulshan-e-Iqbal, Karachi — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in North Nazimabad, KarachiWhat it costs to live in North Nazimabad, Karachi — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in Bahria Town KarachiWhat it costs to live in Bahria Town Karachi — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in DHA LahoreWhat it costs to live in DHA Lahore — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in Bahria Town LahoreWhat it costs to live in Bahria Town Lahore — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in Johar Town, LahoreWhat it costs to live in Johar Town, Lahore — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in Model Town, LahoreWhat it costs to live in Model Town, Lahore — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in Gulberg, LahoreWhat it costs to live in Gulberg, Lahore — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in F-11, IslamabadWhat it costs to live in F-11, Islamabad — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in G-11, IslamabadWhat it costs to live in G-11, Islamabad — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in E-11, IslamabadWhat it costs to live in E-11, Islamabad — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in DHA IslamabadWhat it costs to live in DHA Islamabad — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in Bahria Town RawalpindiWhat it costs to live in Bahria Town Rawalpindi — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.What it costs to live in Satellite Town, RawalpindiWhat it costs to live in Satellite Town, Rawalpindi — real asking rents for a 2-bed portion and a family house, and the take-home salary each one needs.

Where to start

If you are here because the month is not adding up, start with when your salary is not covering your expenses. If you are deciding whether a job offer or a city is workable, start with how much salary is enough. If you just want the numbers for your own household, skip the reading and build your plan.

Stop guessing. See the actual number.

Answer a few questions about your salary, your city and your household. Guzara builds the whole month for you — and you can drag any line to see what it costs you elsewhere.

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Monthly expense calculator for PakistanHow much salary is enough to live in Pakistan?Monthly expense sheet template for Pakistan