Private beta

Every share. Every rupee.
One horizon.

Ufaq is a personal wealth platform built for Pakistani investors. It replays your actual PSX trades, works out FIFO lots and capital gains tax the way NCCPL does, and shows what you truly made, after tax, across every account.

PSX equities & ETFs NCCPL-style FIFO lots Filer / non-filer CGT FY July to June Multi-broker Rupee-first
The ledger

Built like a broker's back office. Sized for one investor.

Spreadsheets drift and broker apps forget. Ufaq keeps the one thing that never lies: a complete record of what actually happened.

BUY / SELL

A real ledger, not a spreadsheet

Buys, sells, bonuses, rights, IPOs, dividends and transfers recorded as events. Ufaq replays them, so your history is always consistent and nothing silently drifts.

9 event types
CGT

Tax the way NCCPL sees it

FIFO lots with holding-period buckets, filer and non-filer rates, and a preview of the tax bill before you sell, not after the contract note arrives.

preview before you sell
CAMPAIGN

Theses with verdicts

Group trades into a campaign, track exits and re-entries, and get an honest closed-position ROI with a verdict on whether averaging down actually worked.

ROI per thesis
ACCOUNTS

Every account, one horizon

Multiple brokers, per-account cash, transfers that keep cost and acquisition dates intact, and ownership splits for money you manage with family.

unlimited brokers
IMPORT

Drop a screenshot, get a ledger

The AI reader turns broker screenshots and statements into records you approve. Prices update, new positions land in the right account, mismatches get flagged, never overwritten.

CSV works too
NET WORTH

Beyond the exchange

Funds, gold, property, bank and crypto in one net worth, with goals and a retirement projection that runs thousands of simulations on your real numbers.

1 full picture
How it works

Three steps, then it compounds.

Step 1

Record or scan

Log a trade in seconds, paste a CSV, or drop a screenshot of your broker app and let the AI reader do the typing.

BUY · MEBL · 500 @ Rs 243.50 · JS Global
Step 2

Ufaq replays your ledger

Every event is replayed in order: lots form, bonuses adjust cost, transfers carry dates, and each lot lands in its CGT bucket.

lot #2 · acquired 14 Mar 2024 · CGT 12.5%
Step 3

Decide with the truth

True average cost, after-tax gains, campaign verdicts, and a retirement curve that updates the moment reality does.

sell preview · net gain Rs 1,84,300 after CGT
Ownership

Yours, in every sense.

Ufaq is a tool you own, not a feed that owns you.

Your data, your cloud

Your ledger lives in a private database under your own login. Download a full backup any time, restore it anywhere.

No ads, nothing sold

No advertisers, no data brokers, no engagement tricks. The product is the ledger, and it answers only to you.

Decisions stay yours

Ufaq records, computes and projects. It does not tip stocks or push trades. Good records make good judgement possible.

FAQ

Fair questions.

Is Ufaq investment advice?
No. Ufaq is record-keeping, accounting and planning. It shows you what happened and what things are worth; what to buy or sell remains entirely your call.
Which brokers does it work with?
Any PSX broker. There is no account linking to break: you import via screenshot, statement or CSV, or record trades manually. Multiple broker accounts sit side by side with transfers between them.
How accurate is the tax calculation?
Lots are matched FIFO with holding-period buckets and your filer status, the same logic NCCPL applies. Treat the figures as high-quality estimates for decisions; your broker's certificate and FBR assessment remain the final word.
What about ETFs and mutual funds?
PSX-listed ETFs trade through the ledger like any share, with the same lot and CGT treatment. Mutual funds are tracked as valuations with units and NAV today, with a full fund ledger on the roadmap.
What does it cost?
Ufaq is in private beta and free while we refine it. If that changes, existing users hear it here first.

See your whole horizon.

Ten minutes to set up. A clear head every trading day after.

Open the app