Everything in 60 seconds
SIP calculator
What could a monthly investment grow to?
A SIP just means investing a fixed amount every month. Set the amount, how long, and a return - see the future value, what you put in, and the growth, with the magic of compounding on a chart.
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PSX equity funds have varied widely; be realistic
Raise your monthly amount each year (optional)
Future value
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You invest
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Total gains
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Growth multiple
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How a SIP builds wealth
Two forces do the work. First, you keep buying through ups and downs, so your average cost smooths out (rupee-cost averaging). Second, your returns earn returns - compounding - which is why the gap between what you put in and what it's worth widens fast in the later years. The yearly step-up lets you model raising your contribution as your income grows, which has an outsized effect over a long horizon.
What return should I assume?
Be conservative. Returns are never guaranteed and Pakistani equity funds swing a lot year to year. Many people model a long-run number in the low-to-mid teens for equity funds and lower for income/money-market funds. Run a high and a low case to see the range, and remember inflation eats part of the nominal return.
How do I actually start a SIP in Pakistan?
Most asset management companies let you open an account online and set up a recurring monthly investment from PKR 1,000. See our guide on how to invest in mutual funds for the step-by-step.
Is the future value before or after tax?
Before tax. Returns on funds can be subject to capital gains and withholding tax depending on the fund type and your filer status - see how investments are taxed. This tool shows the gross growth so you can compare scenarios.
Educational only, not investment advice. The author is a software engineer, not an investment professional. Returns are assumptions you enter, not predictions; actual fund returns vary and can be negative. Verify with the fund's official documents before investing.