SIP Calculator Pakistan
Plan your mutual fund investments with our SIP calculator. Project the future value of your monthly investments over 5, 10, 20+ years. Compounding magic visualized.
How to use this calculator
- Enter your monthly investment amount
- Enter expected annual return (12-15% is realistic for Pakistani equity funds)
- Enter the investment period in years
- Click "Calculate Returns" to see projected wealth
Formula & method
Real-world examples
Frequently asked questions
What is SIP and how does it work?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (monthly) in mutual funds or stocks. Over time, you benefit from rupee-cost averaging and compounding. Popular in Pakistan through funds like NIT, MCB Arif Habib, NBP, UBL Funds.
What returns can I expect from SIP in Pakistan?
Long-term equity mutual funds in Pakistan have historically given 12-18% annual returns. Money market funds give 12-15%. PSX index funds match KSE-100 performance. Past performance doesn't guarantee future returns — always read the fund's offering document.
Where can I start SIP in Pakistan?
Major mutual fund providers: Al Meezan Investment Management, NBP Funds, MCB Arif Habib Savings, UBL Funds, Atlas Asset Management, AKD Investment, HBL Asset Management. You can also use apps like Mahaana, Saver, or KTrade for direct stock SIP.
Is SIP halal in Pakistan?
SIP can be halal if invested in Shariah-compliant funds. Major Islamic options: Al Meezan Islamic Funds, MCB Pakistan Islamic Stock Fund, UBL Al-Ameen funds, NBP Riba Free Funds. These exclude haram industries (alcohol, gambling, conventional banking).
What is rupee-cost averaging in SIP?
When you invest fixed amount monthly, you automatically buy more units when prices are low and fewer when high. This averages out your purchase price over time, reducing the risk of market timing. Especially powerful in volatile markets.
Can I stop or pause my SIP?
Yes, most Pakistani mutual funds allow you to pause, modify, or stop SIP anytime without penalty. However, stopping prematurely defeats the long-term compounding benefit. Try to continue for at least 5-10 years for best results.
How much should I invest in SIP?
A common rule: invest 20-30% of your monthly income for long-term goals. Start with whatever you can afford (Rs. 1,000-5,000/month) and increase yearly. Even small amounts grow significantly over 15-20 years due to compounding.
What is the minimum SIP amount in Pakistan?
Most Pakistani mutual funds allow SIP starting from Rs. 500-1,000 per month. Some new fintech apps (Mahaana, Saver) allow even Rs. 100. Direct stock SIP through brokers requires more capital due to transaction costs.