Zaffre HRM is an all-in-one HR and operations software platform by Zaffre Tech. It unifies HR, payroll, attendance, leave, remote-work monitoring, procurement, petty cash, project management, helpdesk and secure client communication in one connected system. Its standout feature is a dual payroll engine that runs local (PKR) and remittance (foreign currency) salaries in a single payroll run.

Who is Zaffre HRM for?

Small businesses, startups and growing companies of 5 to a few hundred employees — particularly those that have outgrown spreadsheets and disconnected SaaS tools. Strong fit for Pakistan-based companies and any team paying employees in multiple currencies.

What makes Zaffre HRM different from other HR and HCM platforms?

Most HR platforms cover HR and payroll well but leave operations (procurement, petty cash, projects, helpdesk, remote monitoring, client communication) to other tools. Zaffre HRM includes those natively and links every module together — a leave approval updates attendance and payroll, an employee exit triggers asset recovery and final settlement, and a client onboarding flows into billing. It also has a market-unique dual payroll engine.

Does Zaffre HRM support payroll in multiple currencies?

Yes. The dual payroll engine runs local-currency (PKR) salaries and remittance-currency (foreign) salaries together in a single payroll cycle — this is the platform's signature feature and is rare in the market.

Does Zaffre HRM include remote employee monitoring?

Yes, natively. A Tauri-based desktop agent captures login/logout, active hours, application and website usage, and periodic screenshots, and powers productivity-based attendance. It is not a third-party add-on.

Does Zaffre HRM have a mobile app?

Yes — a companion mobile app (Expo / React Native) for attendance, leave, payslips, chat and approvals, with real-time push notifications via FCM.

How is Zaffre HRM priced?

Transparent per-employee, per-module monthly pricing. Modules can be turned on or off per company. Designed to be cheaper in aggregate than the 6+ tools it replaces.

Where is Zaffre HRM based?

Zaffre Tech, the company behind Zaffre HRM, is headquartered in Pakistan and serves customers globally — with strong adoption in Pakistan, UAE and Saudi Arabia.

How to Calculate WWF in Payroll Pakistan 2026

Workers Welfare Fund (WWF) confuses employers because it does not follow the per-employee per-month pattern of EOBI or PESSI. WWF is calculated on company income at year-end and paid as an annual employer contribution. Here is the calculation method and what payroll / accounting software handles.

What WWF is

Workers Welfare Fund is a statutory contribution by employers to fund welfare programmes for workers — housing, education, marriage grants, scholarships. Originally under the WWF Ordinance 1971, post 18th-amendment, provinces administer their own WWF laws.

Who pays

Industrial establishments and other notified categories above a specified income threshold are typically liable to contribute WWF. Coverage varies by province and the type of establishment. Verify against the applicable provincial WWF law for your sector.

The calculation basis

WWF is typically calculated as a percentage of total income (per income tax return) — historically 2% of the higher of declared income or assessed income. Different provinces and Finance Acts may apply different rates or calculation bases.

The difference from per-employee deductions

EOBI — per employee, per month, by employer + employee
PESSI / SESSI / KPESSI / BESSI — per employee, per month, by employer only
WHT — per employee, per month, deducted from salary
WWF — annually on company income, by employer only, not per-employee

How payroll software supports WWF (indirectly)

Since WWF is income-based not salary-based, payroll software's role is supporting:

Total payroll cost data for year-end accounting
Audit trail of employer obligations
Coordination with accounting / tax filing for the actual WWF return

The actual WWF filing usually goes through your tax practitioner or finance team based on the income statement.

Worked Example — General approach

Company income for fiscal year (declared in income tax return): PKR 50,000,000
WWF rate (typical historical rate, verify current): 2%
WWF liability: 50,000,000 × 2% = PKR 1,000,000

Pay to WWF authority through designated bank within prescribed deadline.

Filing process

Compute WWF liability based on income tax return
File WWF return with relevant provincial authority
Pay through designated bank
Maintain payment records for audit

Common WWF mistakes

Ignoring it altogether
Filing under wrong jurisdiction (federal vs provincial after 18th amendment)
Wrong calculation base
Missing deadlines and incurring penalties
Not retaining records

Where Zaffre HRM helps

While WWF is not a payroll engine function (since it's income-based annually), Zaffre HRM supports the surrounding compliance:

Total payroll cost data for income statement
Workforce-related audit trail
Statutory contribution records (EOBI, PESSI, FBR)

The actual WWF filing typically goes through your tax practitioner. See: WWF guide.

Critical caveat

WWF rates, calculation method and filing jurisdiction depend on province and the latest Finance Act / notifications. This article is general guidance. Consult your tax practitioner or labour-law advisor for your specific situation.

How to Calculate Workers Welfare Fund (WWF) in Payroll Pakistan