SIP Calculator (Systematic Investment Plan)
Calculate the future value of monthly SIP investments in mutual funds in Pakistan — equities, money market or income funds.
About the SIP Calculator (Systematic Investment Plan)
Built for Pakistani users, the SIP Calculator (Systematic Investment Plan) turns a fiddly manual calculation into a one-glance result you can trust for planning and everyday decisions.
From compound growth to loan affordability, the numbers behind personal finance in Pakistan are rarely intuitive. This SIP Calculator (Systematic Investment Plan) puts one of those calculations in front of you with transparent inputs and instant results, so you can make decisions with real numbers instead of guesses.
The tool uses the standard financial formulas — the same math banks, mutual funds and insurance companies apply — with values in Pakistani rupees and rates editable to match your actual product.
Small differences compound into large ones: a 1% better rate on a 10-year investment, or one fewer percentage point of markup on a loan, changes the outcome by tens of thousands of rupees. This calculator makes those differences visible.
Financial products in Pakistan are priced differently — KIBOR-linked loans, profit-and-loss sharing accounts, and savings certificates all behave differently. Enter each product's actual rate here to compare them fairly.
Bookmark the SIP Calculator (Systematic Investment Plan) for the next time you need it, and explore the rest of GuruAlpha's 1,200+ calculators for related everyday maths.
How to use the financial calculator
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Enter the amount involved — loan, investment or payment — in PKR.
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Enter the rate and period as labelled on the tool.
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Read the result and its breakdown, updated live.
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Change one input at a time to compare scenarios.
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan invests a fixed amount every month into a mutual fund, averaging your purchase price over time (rupee-cost averaging). It is the standard way Pakistanis build equity or money-market portfolios.
What return should I assume?
Historically, Pakistani equity funds have returned roughly 12–20% annually over long periods, while money-market funds track KIBOR (recently 15–20%). Use a conservative rate and test a range.
Are the rates used in this calculator current?
Rates are defaults you can edit. For loans and investments, use the rate your bank or fund actually offers — KIBOR-linked products change every few months.
Can I trust the result for planning?
The math is standard and transparent, but real products add fees and taxes. Treat the result as the core figure and add any product-specific charges.