Investment tools
SIP Calculator
Estimate how a fixed monthly investment could grow. Enter how much you plan to invest each month, the annual return you expect and how many years you will keep investing. This SIP investment calculator works for mutual funds and PSX shares, with every figure in rupees.
Calculate your SIP returns
Set your monthly amount, expected return and investment period
Total investment
Rs 1,200,000
Estimated returns
Rs 1,123,391
Estimated maturity value
Rs 2,323,391
How your investment grows
Disclaimer: These figures are estimates based on your inputs and an assumed constant rate of return. They are before tax, fund fees and brokerage, and are not a guarantee of future performance. Investing in securities involves risk, including the possible loss of capital.
How the SIP calculator works
What the calculator does with your numbers
A Systematic Investment Plan (SIP) means investing a fixed amount at regular intervals, usually every month, in a mutual fund or in shares. This SIP calculator assumes you invest the same amount at the start of each month and that your money grows at a steady expected annual return, compounded monthly.
You get three figures: the total amount you invest, the estimated returns and the estimated maturity value. For example, Rs 10,000 a month for 10 years at 12% comes to Rs 1,200,000 invested and an estimated Rs 2,323,391 at the end. The chart plots both year by year, so you can see how compounding widens the gap over time.
- Enter the amount you plan to invest every month.
- Set the annual return you expect.
- Choose how many years you will keep investing.
- Check your estimated maturity value and the year-by-year growth chart.
Formula used: FV = P x [((1 + i)^n - 1) / i] x (1 + i), where P is the monthly investment, i is the monthly rate (annual return / 12) and n is the number of months.
Benefits of investing through a SIP
Why investors choose a monthly plan
Disciplined investing
A fixed amount goes in every month, so you build a saving habit without trying to time the market.
Power of compounding
Returns earned early are reinvested and start earning returns of their own. The longer you stay invested, the bigger this effect gets.
Rupee cost averaging
The same amount each month buys more units when prices are low and fewer when they are high.
Start small
Some mutual fund SIPs in Pakistan start from Rs 500 a month, and you can increase the amount as your income grows.
SIP calculator FAQs
Quick answers about SIPs
A Systematic Investment Plan is a way of investing a fixed amount at regular intervals, usually every month, in a mutual fund or in shares.
Yes. It works as a mutual funds calculator for Pakistan. Enter your monthly SIP amount and the return you expect from the fund after its fees.
Yes, in a simple way. If you reinvest dividends, enter the fund's full expected return. If you take dividends as cash, enter only the part of the return that stays in the fund, because cash paid out no longer compounds.
Money market and income funds tend to follow interest rates, so their returns are steadier. Equity funds and PSX shares move with the market. Try a cautious rate and a hopeful one, and plan around the cautious one.
Yes. All amounts are in rupees, from Rs 500 to Rs 1,000,000 a month. You can use it as a mutual fund investment calculator or to plan monthly PSX share buying.
No. The results assume a constant return. Actual returns depend on market performance and will vary.
No. Figures are before tax, fund fees and brokerage charges.
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Turn the estimate into a plan
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