Free tool

Investment & SIP Calculator

See how a starting amount plus regular contributions grow with compound returns. Add an annual step-up, adjust for inflation to see today’s-money value, and view the year-by-year breakdown.

After 20 years, you could have

PKR 10,981,809

Total invested

PKR 2,500,000

Total growth

PKR 8,481,809

Growth on money

+339%

■ Invested■ Growth
Growth over time■ Invested ■ Growth
Year 0Year 20
Peak: 11.0M

Estimate only — projected returns are not guaranteed and don’t include fees or taxes. Not financial advice.

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How compounding works

Compounding means your returns earn returns. Each period, your balance grows by the return rate and your new contribution is added — so the earlier and more regularly you invest, the more the growth curve bends upward over time.

What is a step-up SIP?

A step-up (or top-up) SIP increases your contribution each year — for example by 10% as your income rises. Even a small annual step-up can meaningfully raise your final corpus.

Why adjust for inflation?

A large future number is worth less in real terms. The inflation setting shows your future value in today’s money, so you can judge the true purchasing power of your savings.