Reverse Compounding

Goal-first

Work backwards from your goal

Pick a future target, expected return and duration — the calculator tells you the monthly amount you need to invest from today.

Goal setup:Rs 1.00M target·20.0%·5 years

Required monthly investment

Rs 0

/ month

to reach Rs 1.00M in 5 years at 20.0% annual return.

Daily

—

≈ per day

Hourly

—

≈ work-hour

Required monthly

Rs 0

—

Total deposited

Rs 0

—

Total earnings

Rs 0

—

Earnings share

—

of target from interest

Wealth growth path

Contributions grow steadily; compounding does the lifting underneath.

DepositedEarningsTarget

Affordability check

How big a bite does the required monthly take out of a typical net salary? Under 30% is healthy, 30–50% is stretched, above 50% is unrealistic.

Rs 50k / month

—

Rs 100k / month

—

Rs 200k / month

—

Rs 500k / month

—

Common goal shortcuts

Unlock the full goal planning suite with Premium

The calculator is fully free. Premium adds saved goals, multi-goal portfolios and inflation-adjusted targets.

Learn the calculator

Master this tool in 60 seconds

Most calculators ask 'how much will I have?' — this one asks the opposite, and arguably more useful, question: 'how much do I need to invest each month to reach a number that matters to me?' Goal-first planning beats wishful projections.

Step by step

How it works

1
Pick your target
A specific, dated number — PKR 1 crore by 2040, PKR 50 lakh for a child's university in 2035, PKR 2 crore retirement corpus.
2
Choose an expected return
Use a realistic rate. For PSX equity funds, 12–15%. For balanced portfolios, 10–13%. For fixed income, 8–11%. Always pick the conservative end.
3
Set the duration
How many years you have until you need the money. Longer durations mean smaller monthly contributions — start as early as possible.
4
Read the monthly amount
The calculator solves for the SIP you need to start today. The visual confirms how much will come from your contributions vs. compounding.

Behind the math

The formula

Required monthly SIP (P) to reach Future Value (FV) in n months at monthly rate i: P = FV × i / ( ((1 + i)^n − 1) × (1 + i) ) Where: FV = target amount i = monthly rate = annual return / 12 n = months = years × 12

This is the SIP future-value formula solved for the monthly amount instead of the final value. The same compounding math runs in reverse — useful when you know the destination but not yet the path.

Right tool, right moment

When to use it

Retirement planning — solving for the SIP needed to hit a target corpus
Child's education or marriage planning — known goal, known timeline
Saving for a future home down-payment
Stress-testing your current SIP — is it actually large enough for your goals?

Sharpen the edge

Pro tips

1
Compute the required SIP both at a 15% and a 10% return assumption. The truth lies between, and contributing the higher number gives you a safety margin.
2
Every year you delay starting roughly doubles the required monthly contribution over a long horizon. Time, not amount, is the dominant variable.
3
Inflation-adjust your target. PKR 1 crore today is worth far less in 20 years — set your future goal in tomorrow's rupees.
4
When a required SIP looks unaffordable, the answer is usually a longer horizon, not a higher assumed return.

Frequently asked

Common questions

How is this different from the regular SIP Calculator?

The SIP Calculator asks "what's my future value if I invest X per month?" — this calculator asks the inverse: "what monthly amount X do I need to reach future value Y?". Same math, different unknown.

Should I include inflation?

Yes — quote your target in future rupees, not today's. PKR 1 crore in 25 years at 6% inflation is worth ~PKR 23 lakh in today's purchasing power. Inflate the target before solving.

What if I can't afford the required SIP?

Three levers: extend the timeline, lower the target, or step up the SIP over time. Start with what you can and use the SIP Calculator's step-up feature to plan annual increases.

Reverse Compounding

Goal-first

Work backwards from your goal

Pick a future target, expected return and duration — the calculator tells you the monthly amount you need to invest from today.

Goal setup:Rs 1.00M target·20.0%·5 years

Required monthly investment

Rs 0

/ month

to reach Rs 1.00M in 5 years at 20.0% annual return.

Daily

—

≈ per day

Hourly

—

≈ work-hour

Required monthly

Rs 0

—

Total deposited

Rs 0

—

Total earnings

Rs 0

—

Earnings share

—

of target from interest

Wealth growth path

Contributions grow steadily; compounding does the lifting underneath.

DepositedEarningsTarget

Affordability check

How big a bite does the required monthly take out of a typical net salary? Under 30% is healthy, 30–50% is stretched, above 50% is unrealistic.

Rs 50k / month

—

Rs 100k / month

—

Rs 200k / month

—

Rs 500k / month

—

Common goal shortcuts

Unlock the full goal planning suite with Premium

The calculator is fully free. Premium adds saved goals, multi-goal portfolios and inflation-adjusted targets.

Learn the calculator

Master this tool in 60 seconds

Step by step

How it works

1
Pick your target
A specific, dated number — PKR 1 crore by 2040, PKR 50 lakh for a child's university in 2035, PKR 2 crore retirement corpus.
2
Choose an expected return
Use a realistic rate. For PSX equity funds, 12–15%. For balanced portfolios, 10–13%. For fixed income, 8–11%. Always pick the conservative end.
3
Set the duration
How many years you have until you need the money. Longer durations mean smaller monthly contributions — start as early as possible.
4
Read the monthly amount
The calculator solves for the SIP you need to start today. The visual confirms how much will come from your contributions vs. compounding.

Behind the math

The formula

This is the SIP future-value formula solved for the monthly amount instead of the final value. The same compounding math runs in reverse — useful when you know the destination but not yet the path.

Right tool, right moment

When to use it

Retirement planning — solving for the SIP needed to hit a target corpus
Child's education or marriage planning — known goal, known timeline
Saving for a future home down-payment
Stress-testing your current SIP — is it actually large enough for your goals?

Sharpen the edge

Pro tips

1
Compute the required SIP both at a 15% and a 10% return assumption. The truth lies between, and contributing the higher number gives you a safety margin.
2
Every year you delay starting roughly doubles the required monthly contribution over a long horizon. Time, not amount, is the dominant variable.
3
Inflation-adjust your target. PKR 1 crore today is worth far less in 20 years — set your future goal in tomorrow's rupees.
4
When a required SIP looks unaffordable, the answer is usually a longer horizon, not a higher assumed return.

Frequently asked

Common questions

How is this different from the regular SIP Calculator?

Should I include inflation?

Yes — quote your target in future rupees, not today's. PKR 1 crore in 25 years at 6% inflation is worth ~PKR 23 lakh in today's purchasing power. Inflate the target before solving.

What if I can't afford the required SIP?

Three levers: extend the timeline, lower the target, or step up the SIP over time. Start with what you can and use the SIP Calculator's step-up feature to plan annual increases.