📈 SIP Calculator

SIP & Mutual Fund Return Calculator

A SIP (Systematic Investment Plan) builds long-term wealth by investing a fixed amount every month in a SECP-regulated mutual fund, using compounding and rupee-cost averaging to grow your PKR savings over time. This free SIP calculator projects exactly how your contributions grow across Pakistan's four fund categories — money market (≈15% p.a.), income (≈18%), aggressive income (≈20%), and equity (≈22–26%). Enter your monthly amount, expected annual return, and time horizon to see your total corpus, total invested, wealth gained, and a year-by-year growth breakdown.

Quick answer: at a 15% annual return, a Rs 10,000/month SIP grows to about Rs 27 lakh in 10 years — Rs 12 lakh invested plus roughly Rs 15 lakh in growth. At 20% p.a. it grows to around Rs 38 lakh. Enter your own amount and expected return below for your exact projection.

Investment Mode

Fund Type Preset

Monthly Investment

Rs 500Rs 5,00,000

Expected Annual Return

1%50%

Investment Duration

1 yr40 yrs

Total Corpus

Rs 0

Wealth gain: 0%

Total Invested

Rs 0

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Estimated Returns

Rs 0

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Total Corpus

Rs 0

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Investment Growth Over Time

Corpus vs amount invested, year by year

Invested Returns

Corpus Breakdown

Key Milestones

Year-by-Year Breakdown

Year	Invested	Returns	Corpus	Gain

How to Use

Select Monthly SIP to project regular monthly contributions, or Lump Sum to calculate a one-time investment's future value.
Choose a fund type preset — Money Market (≈15%), Income (≈18%), Aggressive Income (≈20%), or Equity (≈22%) — or set a custom annual return rate.
Enter your monthly investment (or lump sum), the investment period in years, and any existing savings already invested.
Read your projected corpus, total amount invested, wealth gain, and the year-by-year growth table showing how your money compounds over time.

Frequently Asked Questions

What is a SIP (Systematic Investment Plan) in Pakistan?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount of money regularly (monthly or quarterly) into mutual funds or stock markets in Pakistan, rather than making a lump-sum payment. It helps average out investment costs over time through rupee-cost averaging.

How to start a SIP investment in Pakistan?

You can start a SIP by opening an investment account with any Asset Management Company (AMC) registered with the SECP (Securities and Exchange Commission of Pakistan) or through top digital wealth apps and banks offering mutual funds.

Is SIP investing safe?

Like all market-linked investments, SIPs carry some risk depending on whether you choose equity (stocks) or income/money market funds. However, investing systematically over the long term generally lowers risk and builds consistent wealth.

Which Pakistani mutual funds are best for SIP?

Popular AMCs in Pakistan include Meezan Asset Management, NBP Funds, UBL Fund Managers, Alfalah GHP, and NAFA. Money market funds offer stability (~15%), while equity funds offer higher growth (~22-28%) with more risk.

How is the SIP return calculated?

SIP corpus = P × [((1+r)^n − 1) / r] × (1+r) where P is monthly investment, r is monthly return rate (annual ÷ 12), and n is total months. Returns are compounded monthly.

Are mutual fund returns taxable in Pakistan?

Yes. Capital gains tax applies based on the holding period. Short-term gains (under 1 year) are taxed at 15%, while long-term gains have reduced rates. Dividend income is also subject to withholding tax. Consult a tax advisor for your situation.

What is rupee-cost averaging?

When NAV is high, your fixed SIP buys fewer units. When NAV falls, it buys more. Over time this averages out your purchase cost, reducing the risk of investing a large sum at the wrong time.

How much will Rs 10,000/month SIP grow to in 10 years?

At a 15% annual return, Rs 10,000/month SIP grows to approximately Rs 27 lakh in 10 years (total invested: Rs 12 lakh, growth: ~Rs 15 lakh). At 20% p.a., it grows to approximately Rs 38 lakh. At 25% p.a. (equity fund in a good cycle), it could exceed Rs 55 lakh. Use the SIP calculator above to model your specific amount, rate, and period.

Is SIP better than a lump sum investment in Pakistan?

Both approaches have merit. A lump sum invested at the right time can generate higher returns since all capital compounds from day one. However, most investors don't have a large lump sum available, and SIPs allow you to start with whatever you can afford each month. SIPs also reduce market timing risk by spreading purchases over time — they're generally recommended for salaried investors building wealth from regular income.