Plan a systematic investment plan

1. 1

   Set your monthly contribution

   The amount you can comfortably commit each month. Even modest amounts grow surprisingly large over a decade — that's the compound math doing its work.

2. 2

   Set an expected annual return

   Use a realistic return — PSX equity funds have delivered roughly 12–18% PKR historically. Don't anchor to recent bull-market returns; use a long-run average.

3. 3

   Choose the duration

   SIPs are about time-in-market. The chart and final value swing dramatically as you push duration from 5 to 10 to 20 years.

4. 4

   Add a yearly step-up

   Increase your monthly SIP by a fixed percentage each year (5–10% is typical, matching your raise). This single tweak can grow the final corpus by 50%+.

The first form is the classic future-value-of-annuity formula, adjusted for SIPs made at the start of each month. The step-up variant simply re-bases the monthly amount each year — the calculator does this month-by-month under the hood so the result is exact, not approximated.