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Free calculators and clear, source-linked research for Pakistani investors — no sign-up required.

Compound Growth Calculator

Estimate how an initial investment plus monthly contributions could grow over time, assuming a constant annual return compounded monthly.

The lump sum you're starting with, if any.

Amount added at the end of each month.

An assumption you choose — not guaranteed.

Increase your monthly contribution each year, e.g. with a salary raise.

Total contributed
PKR 4,100,000
Estimated growth
PKR 8,989,421
Estimated final value
PKR 13,089,421
Duration
15 years
Projected balance over time
032.7L65.4L98.2L1.3CrY1Y3Y5Y7Y9Y11Y13Y15
Estimated balance

Year-by-year breakdown

Year by year compound growth breakdown
YearContributionsGrowthEnding balance
1PKR 240,000PKR 79,599PKR 819,599
2PKR 240,000PKR 120,132PKR 1,179,731
3PKR 240,000PKR 165,806PKR 1,585,537
4PKR 240,000PKR 217,272PKR 2,042,810
5PKR 240,000PKR 275,266PKR 2,558,076
6PKR 240,000PKR 340,615PKR 3,138,690
7PKR 240,000PKR 414,251PKR 3,792,941
8PKR 240,000PKR 497,226PKR 4,530,168
9PKR 240,000PKR 590,725PKR 5,360,893
10PKR 240,000PKR 696,082PKR 6,296,975
11PKR 240,000PKR 814,801PKR 7,351,776
12PKR 240,000PKR 948,576PKR 8,540,351
13PKR 240,000PKR 1,099,317PKR 9,879,668
14PKR 240,000PKR 1,269,176PKR 11,388,844
15PKR 240,000PKR 1,460,577PKR 13,089,421

Educational information only

This calculator provides estimates for educational purposes only. Results are based on the assumptions you enter and are not guaranteed, not a forecast, and not personalized financial or investment advice. Actual investment returns vary and may be negative. Consider speaking with a licensed financial advisor before making investment decisions.

Assumptions & methodology

This calculator uses monthly compounding. Your monthly contribution is assumed to be added at the end of each month, after which that month's return is applied to the new balance. The annual return you enter is divided by 12 to produce a monthly rate.

If you enable an annual contribution increase, your monthly contribution amount grows by that percentage at the start of each subsequent year.

Example use case

Suppose you start with PKR 500,000 and can invest PKR 20,000 every month. Using an assumed 12% annual return over 15 years, you can see how much of the final value comes from your own contributions versus estimated growth — helping you understand the power (and uncertainty) of compounding over long horizons.

Limitations

  • Assumes a constant annual return every year, which real investments never provide.
  • Does not account for taxes, inflation, fees or currency effects.
  • Does not model withdrawals or lump-sum additions beyond the initial investment.
  • Results are illustrative projections only, not a forecast or guarantee.

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