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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.

The market return before costs. After the 3.7% fee set below, your money compounds at 10.30%.

After 20 years, you could have

PKR 8,673,615

≈ PKR 1,665,726 in today’s money (after 8.6% inflation)

Total invested

PKR 2,500,000

Total growth

PKR 6,173,615

Growth on money

+247%

■ Invested■ Growth
Growth over time■ Invested ■ Growth
Year 0Year 20
Peak: 8.7M

What the fees take

A fund's expense ratio is charged on everything you hold, every year — so it comes straight off the return and compounds against you for as long as the gross return compounds for you.

Without the fee

PKR 14,629,687

What you actually get

PKR 8,673,615

The fee takes PKR 5,956,072 — 41% of what you would otherwise have had.

3.7% a year turns a gross return into 10.30% net.

What this market has actually done

Before trusting the rate you typed, it is worth knowing what Pakistan Stock Exchange (KSE-100) has delivered.

Last 30 years

14%

the 1990s

3%

the 2000s

25%

Inflation

8.6%

The long-run figure is gross of fees and before inflation. On your assumptions — 10.30% net of a 3.7% fee, against 8.6% inflation — your money really grows at 1.57% a year. Inflation has averaged 11.3% over the last decade, so the real return has recently been lower still.

KSE-100 30-year CAGR (Business Recorder); inflation 1960-2025 (World Data); fund TERs (MUFAP); ETF TER (Meezan/PSX); brokerage and CDC charges (Investify, PSX).

The range of outcomes

The same plan, at the worst and best decades this market has recorded. The spread is not a rounding error — it is the honest answer to “what will I have?”

If returns lookNet returnAfter 20 yearsIn today's money
Like the 1990s (3%)-0.70%PKR 2,327,114PKR 446,911
Your assumption (14%)10.30%PKR 8,673,615PKR 1,665,726
Like the 2000s (25%)21.30%PKR 44,687,727PKR 8,582,064

Each row is net of your 3.7% fee. The middle row is your own assumption.

Working backwards from a goal

Name the amount you want at the end and this works out what it takes to get there, net of fees.

When the money starts working harder than you

Growth beats a year of contributions

Year 7

From here on, the portfolio adds more each year than you do.

Total growth beats everything paid in

Year 12

The point at which most of the balance is money you never earned.

By the end, PKR 6,173,615 of your PKR 8,673,615 is growth — the rest is the PKR 2,500,000 you put in. Both figures are net of fees.

Year by year, net of fees

From year 7 the portfolio earns more each year than you put into it. By year 12 more than half the balance is money you never contributed. By year 20 you will have paid in PKR 2,500,000 and earned PKR 6,173,615 — 71% of the balance, or 3.5× what you put in.

YearMonthlyInvestedInvested to dateReturnReturn to dateBalanceIn today's moneyGrowth
1PKR 10,000PKR 120,000PKR 220,000PKR 16,631PKR 16,631PKR 236,631PKR 217,8927%
2PKR 10,000PKR 120,000PKR 340,000PKR 31,387PKR 48,018PKR 388,018PKR 328,99712%
3PKR 10,000PKR 120,000PKR 460,000PKR 47,738PKR 95,756PKR 555,756PKR 433,90517%
4PKR 10,000PKR 120,000PKR 580,000PKR 65,854PKR 161,610PKR 741,610PKR 533,15922%
5PKR 10,000PKR 120,000PKR 700,000PKR 85,927PKR 247,538PKR 947,538PKR 627,26026%
6PKR 10,000PKR 120,000PKR 820,000PKR 108,168PKR 355,706PKR 1,175,706PKR 716,67130%
7turnsPKR 10,000PKR 120,000PKR 940,000PKR 132,812PKR 488,518PKR 1,428,518PKR 801,82034%
8PKR 10,000PKR 120,000PKR 1,060,000PKR 160,116PKR 648,634PKR 1,708,634PKR 883,10138%
9PKR 10,000PKR 120,000PKR 1,180,000PKR 190,370PKR 839,004PKR 2,019,004PKR 960,87942%
10PKR 10,000PKR 120,000PKR 1,300,000PKR 223,891PKR 1,062,895PKR 2,362,895PKR 1,035,49145%
11PKR 10,000PKR 120,000PKR 1,420,000PKR 261,033PKR 1,323,928PKR 2,743,928PKR 1,107,24748%
12PKR 10,000PKR 120,000PKR 1,540,000PKR 302,186PKR 1,626,115PKR 3,166,115PKR 1,176,43751%
13PKR 10,000PKR 120,000PKR 1,660,000PKR 347,784PKR 1,973,899PKR 3,633,899PKR 1,243,32654%
14PKR 10,000PKR 120,000PKR 1,780,000PKR 398,307PKR 2,372,206PKR 4,152,206PKR 1,308,16157%
15PKR 10,000PKR 120,000PKR 1,900,000PKR 454,286PKR 2,826,492PKR 4,726,492PKR 1,371,17160%
16PKR 10,000PKR 120,000PKR 2,020,000PKR 516,312PKR 3,342,804PKR 5,362,804PKR 1,432,56662%
17PKR 10,000PKR 120,000PKR 2,140,000PKR 585,036PKR 3,927,840PKR 6,067,840PKR 1,492,54465%
18PKR 10,000PKR 120,000PKR 2,260,000PKR 661,183PKR 4,589,023PKR 6,849,023PKR 1,551,28667%
19PKR 10,000PKR 120,000PKR 2,380,000PKR 745,554PKR 5,334,578PKR 7,714,578PKR 1,608,96169%
20PKR 10,000PKR 120,000PKR 2,500,000PKR 839,038PKR 6,173,615PKR 8,673,615PKR 1,665,72671%

Return is that year's growth; Balance is the new principal the next year compounds on. Growth is the share of the balance you never paid in. The last column deflates the balance to what it would buy today.

Keep this projection

A PDF with the year-by-year table, the split between what you pay in and what it earns, and every assumption behind it.

Used once, to send this report. No account, no list, nothing stored.

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.