Plan Your Systematic Growth
See how a fixed monthly deposit compounds over time. Adjust the variables and watch your future wealth change in real time.
Total Invested
Est. Returns
Total Value
Monthly Deposit
Duration
Expected Annual Return
Total Value
Year-by-Year Projection
Estimated portfolio value at the end of each year.
| Year | Invested | Returns | Total Value |
|---|---|---|---|
⚠️ This calculator is for educational and illustrative purposes only. Returns are not guaranteed. Past market performance does not guarantee future results. Consult a qualified financial advisor before investing.
SIP Investing — Common Questions
The KSE-100 has averaged approximately 20-25% annualised returns in PKR over the past decade, though with significant year-to-year volatility. For conservative planning, use 15% per year. For moderate planning, use 20%. Do not use recent exceptional years (like the 51% return in 2025) as your baseline.
SIP reduces timing risk through rupee cost averaging — you buy more units when prices are low and fewer when prices are high, smoothing your average entry price. Lump sum can outperform SIP if markets rise immediately after investment. For most retail investors without a large lump sum or reliable market-timing ability, SIP is the safer long-term approach.
Step-up SIP increases your monthly contribution by a fixed percentage each year. Starting at Rs. 10,000/month and increasing 10% annually, for example, dramatically increases your final corpus compared to a flat SIP. Even a 10% annual step-up on a 10-year SIP can boost the final amount by 30-40%.
There is no fixed minimum, but practically you need enough to buy at least one lot (500 shares minimum on PSX) of a stock. A practical minimum is Rs. 5,000–10,000 per month if investing through mutual funds, or Rs. 25,000–50,000 per month if building a direct stock portfolio.
Historical data shows that any 10-year period of KSE-100 investment has produced positive real returns. Stay invested for at least 7–10 years. The compounding effect becomes dramatically more powerful after year 10 — the last few years of a 20-year SIP contribute more value than the first 10 years combined.