SIP calculator
See what a monthly investment plan could grow to. Enter the amount you invest each month, the annual return you want to assume, and how long you would keep it up. The result is a projection built on the rate you enter, not a forecast: the arithmetic is exactly right if that rate holds, and no rate is guaranteed. All figures are in Pakistani rupees (PKR).
Rafi Securities SIP Calculator
Enter the monthly amount, the return to assume and the tenure, and the projection will appear here.
How it was worked out
| Working | Amount (Rs) |
|---|---|
| Monthly investment | — |
| Number of months | — |
| Paid in monthly | — |
| Initial investment | — |
| Total invested | — |
| Projected value | — |
| Projected gain | — |
What it is worth along the way
| Year | Months | Paid in | Projected value | Gain |
|---|
Two conventions decide the figure, and both are chosen rather than given. The contribution is made at the start of each month, so every instalment earns for the whole month it is paid in - the ordinary arrangement for a monthly plan. The annual return is divided by twelve and compounded monthly, so a 12 per cent assumption means 1 per cent a month, not the slightly higher monthly rate that compounding an annual figure down would give. Change either convention and the projection moves, which is why they are stated here rather than left to be assumed.
This is a projection, not a forecast, and not advice. It assumes the return you entered is earned every year without variation, which no market does: real returns vary, and a year of losses early in a plan does more damage than the same losses later. The figure also excludes brokerage, commission, fund management fees and any tax, all of which reduce what you end up with, and it is not adjusted for inflation, so the amount shown is in today's rupees but will be spent in the rupees of the year it is withdrawn.
Explore Rafi SecuritiesFigures are for information only and are not investment advice. Past returns do not predict future ones. Confirm your plan with your investment adviser before relying on any figure.