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

Monthly Investment Calculator

See how consistent monthly investing could grow under different return assumptions, compared side by side.

Conservative (8%)

PKR 2,762,485

Total deposits
PKR 1,800,000
Estimated gains
PKR 962,485

Moderate (12%)

PKR 3,485,086

Total deposits
PKR 1,800,000
Estimated gains
PKR 1,685,086

Growth (16%)

PKR 4,447,073

Total deposits
PKR 1,800,000
Estimated gains
PKR 2,647,073
Scenario comparison over time
011.1L22.2L33.4L44.5LY1Y3Y5Y7Y9Y10
Conservative
Moderate
Growth

Year-by-year comparison

Year by year comparison across return scenarios
YearConservativeModerateGrowth
1PKR 187,994PKR 192,140PKR 196,389
2PKR 391,591PKR 408,648PKR 426,609
3PKR 612,087PKR 652,615PKR 696,491
4PKR 850,884PKR 927,523PKR 1,012,864
5PKR 1,109,501PKR 1,237,296PKR 1,383,740
6PKR 1,389,582PKR 1,586,355PKR 1,818,507
7PKR 1,692,911PKR 1,979,685PKR 2,328,171
8PKR 2,021,416PKR 2,422,898PKR 2,925,635
9PKR 2,377,186PKR 2,922,323PKR 3,626,026
10PKR 2,762,485PKR 3,485,086PKR 4,447,073

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 projects three scenarios — Conservative, Moderate and Growth — using monthly compounding, applying your monthly contribution at the end of each month. The default rates (8%, 12% and 16%) are illustrative starting points, not predictions, and you can edit them.

An optional annual contribution increase lets you model growing your monthly investment each year, for example alongside salary increases.

Example use case

If you can invest PKR 15,000 every month, this calculator shows how the outcome after 10 years could differ meaningfully between a conservative and a growth-oriented return assumption — helping you understand how sensitive long-term outcomes are to the return you actually achieve.

Limitations

  • Scenario labels (Conservative, Moderate, Growth) are illustrative, not guaranteed outcomes.
  • Assumes a constant return within each scenario for the full period, which is unrealistic.
  • Does not account for taxes, inflation, fees or currency effects.
  • Past or assumed returns do not predict actual future performance.

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