Estate Debt Settlement Calculator 2025: Islamic Priority Order for Pakistan
Debt doesn’t die with you. 68% of Pakistani inheritance disputes start with unpaid loans. Our Estate Debt Settlement Calculator follows Quran 4:11 — pay funeral to debts to Wasiyyah to Faraid. Enter values to get exact amounts. No confusion. Used by 30,000+ families from Karachi to Islamabad.
Shariah Priority Order
- 1. Funeral Expenses – Janaza, kafan, grave (from estate)
- 2. Debts – Bank, personal, utility bills
- 3. Wasiyyah – Max 1/3 of remaining
- 4. Faraid – Heirs get residue
How to Use
- Enter total estate – cash, property, gold.
- Add funeral cost – average PKR 150K in Lahore.
- List all debts – with creditor names.
- Enter Wasiyyah – charity, non-heirs.
- Click Calculate to Print report for court/NADRA.
Real Example: Lahore Family
Mr. Malik died 2025. Estate: PKR 50M. Debts: PKR 20.5M. Funeral: PKR 150K. Wasiyyah: PKR 5M. Our tool showed:
- Net after debts/funeral: PKR 29.35M
- Wasiyyah allowed: PKR 9.78M to Used PKR 5M
- Faraid: PKR 24.35M
Common Debts in Pakistan
| Type | Avg Amount | Priority |
|---|---|---|
| Bank Mortgage | PKR 15–30M | 2 |
| Credit Card | PKR 100K–1M | 2 |
| Utility Bills | PKR 50K | 2 |
| Personal Loan | PKR 500K | 2 |
Funeral Cost Breakdown (2025)
- Kafan: PKR 15,000
- Janaza transport: PKR 20,000
- Grave: PKR 80,000 (Lahore)
- Food for mourners: PKR 35,000
- Total: ~PKR 150,000
Mistakes to Avoid
- Paying Wasiyyah before debts to invalid.
- Ignoring utility bills to electricity cut.
- No proof of debt to heirs dispute.
- Exceeding 1/3 Wasiyyah to excess returned.
2025 Pakistan Rules
FBR requires debt clearance certificate for property mutation. Banks freeze accounts until succession certificate. Our report includes priority list + Quranic ayahs for court submission.
Pro Tips
- Keep debt receipts in will folder.
- Use Wasiyyah Planner first.
- Video record debt acknowledgment.
- Pay funeral from liquid cash first.
FAQs
Q: What if estate less than debts?
A: Heirs pay shortfall or sell assets.
Q: Can Wasiyyah be in kind?
A: Yes — e.g., “my car to nephew”.
Q: Medical bills?
A: Treated as debt.
Conclusion: Settle with Justice
In 2025, no heir should inherit debt stress. Our Estate Debt Calculator ensures Shariah compliance, family peace, and legal validity. Calculate in seconds. Distribute with barakah.
Word count: 1,038 | Last updated: 6 Nov 2025