SIP & Investment Calculator

Your monthly contribution is compounded every month at the monthly rate (annual rate ÷ 12). The calculator walks through each month, adds the contribution, multiplies the balance by (1 + monthly rate) and tracks a separate lump-sum pot that compounds alongside it. This is the same as the formula FV = P × (((1 + r)ⁿ − 1) ÷ r) + lump × (1 + r)ⁿ, just with the step-up applied month by month.

A step-up means you increase the monthly instalment by a fixed percentage every year — for example investing Rs 25,000 a month and raising it by 10% each January. Because every extra rupee is invested for a different number of years, the compounding effect is powerful: a 10% annual step-up typically adds 25–40% more corpus over 15–20 years compared with a flat SIP.

Real value is your projected corpus discounted by inflation. If your portfolio grows 12% a year while inflation runs at 8%, your purchasing power only grows by roughly 4% a year. The “Real value” KPI shows what your final amount is worth in today’s money, which is the number that matters for goals like a house deposit or a retirement corpus.

No. Mutual funds, equities and bonds fluctuate, and a 12% average return is an assumption, not a promise. Mutual funds in Pakistan are subject to fund risk and tax on capital gains, and a broken period can reduce your corpus. Use the calculator for planning and stress-test the result at a lower return rate — for example 8% and 10% — before you commit money.