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SIP Calculator

Calculate returns on your monthly SIP investment. See wealth gained vs amount invested.

📈Calculator

Monthly Investment(PKR)

Expected Annual Return(%)

Investment Period(years)

What is a SIP?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly — usually monthly — into mutual funds or investment accounts. Unlike lump-sum investing, SIP spreads your investment over time, which reduces the impact of market volatility through a concept called Rupee Cost Averaging. When markets are down, your fixed SIP amount buys more units. When markets are up, it buys fewer. Over time, this averaging reduces your overall cost per unit and builds significant wealth through compounding.

How to Use This Calculator

Enter your planned monthly investment amount. Then enter the expected annual return rate — for equity mutual funds, 10–14% is a reasonable long-term assumption; for conservative debt funds, use 7–9%. Set the investment period in years. Click Calculate to see the future value of your SIP, total amount you invested, and the wealth gained purely from returns and compounding. The result also shows a multiplier — how many times your money grew.

💡 Pro Tips

✓Even small SIP amounts — PKR 2,000 to 5,000/month — compound into significant wealth over 15–20 years.
✓Never stop a SIP during market downturns — these are actually the best times to invest as you buy more units cheaply.
✓Increase your SIP amount by 10% every year (step-up SIP) to dramatically accelerate wealth creation.
✓Start as early as possible — the difference between starting at 25 vs 30 is enormous due to compounding.
✓Use SIP for long-term goals like retirement, children's education, or home purchase — not for short-term needs.

Who Uses This Calculator?

Young professionals starting their first investment use SIP calculators to see how their savings grow. Parents plan children's education funds with monthly SIP contributions. Retirement planners set targets for monthly investments needed to reach a corpus. Financial advisors demonstrate the power of disciplined investing to clients. Anyone comparing SIP vs fixed deposits uses this calculator to see the potential return difference.