Bike Installment Calculator

Monthly qist, total & markup on bike financing.

About this calculator

Buying a bike on installments is how most Pakistanis get their first 70cc or 125cc, but the showroom’s “monthly qist” rarely shows the full picture. Markup, processing fees and insurance quietly inflate the total far above the cash price. This calculator lays out the monthly payment, total markup and the real price you will pay over the plan.

Comparing two financing offers becomes easy when you see the numbers side by side. Enter the bike’s price, down payment, markup rate and plan duration, and the tool shows every qist and the true cost of financing — so you can decide whether the convenience is worth it.

How to use

Enter the bike’s cash price and your planned down payment.
Add the markup/profit rate and any processing fee the dealer charges.
Choose the plan duration (12, 24 or 36 months).
Compare the monthly qist and total payable against the cash price.

Frequently asked questions

How much extra do I pay on bike installments?

It depends on the markup rate and tenure, but financed bikes commonly cost 20–40% more than cash price. The calculator shows your exact markup in rupees.

Is a bigger down payment better?

Yes — a larger down payment shrinks the financed amount, so you pay less markup overall and your monthly qist drops too.

Should I take bank financing or dealer installments?

Compare the total payable from both offers in the calculator. Banks sometimes offer lower rates but add documentation; dealers are faster but often pricier.