SIP Calculator Pakistan – Estimate Total Investment & Returns

What Is a SIP Calculator?

A SIP calculator helps you estimate how much your investment can grow when you invest a fixed amount every month through a Systematic Investment Plan (SIP). Instead of guessing your future wealth, this tool shows a clear projection of your total invested amount, estimated returns, portfolio value, and growth rate.

Whether you are investing in mutual funds, ETFs, or long-term equity plans, using a SIP investment calculator gives you a realistic idea of what your money could become over time. In Pakistan, you can use this calculator to get an estimate of total investment and returns.

Why Use this SIP Calculator?

There are many SIP calculators available online, but this one offers more flexibility and control.

With our advanced SIP calculator, you can:

• Adjust your monthly investment amount
• Set expected annual return
• Choose monthly or annual compounding
• Add a step-up percentage to increase your SIP every year
• View the total invested amount and estimated wealth
• Check CAGR (Compound Annual Growth Rate)
• See growth through an interactive line chart

This makes it ideal for long-term financial planning.

What Is Step-Up SIP?

A Step-Up SIP means increasing your monthly investment every year. For example, if you start with ₨10,000 per month and choose a 10% step-up, next year your SIP becomes ₨11,000 per month.

This strategy works well for salaried individuals who expect annual salary increments. It helps you build wealth faster compared to a normal SIP.

Example:

• Monthly SIP: ₨10,000
• Duration: 10 years
• Return: 12%
• Step-up: 10%

You will invest more over time, but your final portfolio value will grow significantly higher due to compounding.

Learn more: Compounding Calculator – Calculate Your Investment Growth Easily

How SIP Returns Are Calculated

SIP returns are calculated using the compound interest formula. When you invest monthly, each installment earns returns, and those returns start earning further returns. This effect is called compounding.

If you choose monthly compounding, returns are calculated every month.
If you choose annual compounding, returns are calculated once per year.

The longer you stay invested, the more powerful compounding becomes.

Benefits of Investing Through SIP

SIP investing offers several advantages:

• Builds disciplined investment habit
• Reduces market timing risk
• Makes investing affordable
• Suitable for long-term wealth creation
• Works well for retirement planning

It is especially useful for beginners who want to start investing with small amounts.

Read more: Loan EMI Calculator with Amortization Schedule (Free Online Tool)

Frequently Asked Questions (FAQ)

Is this SIP calculator accurate?

Yes. This calculator uses standard compound interest formulas used in financial planning. However, actual returns may vary depending on market performance.

What is a good return rate for SIP?

Historically, equity mutual funds have delivered 10% to 15% annual returns over long periods. However, returns are not guaranteed.

What is the difference between SIP and a lump sum?

SIP means investing a fixed amount regularly. A lump sum means investing a large amount at once. SIP reduces risk through disciplined investing.

Can I increase my SIP every year?

Yes. That is called a Step-Up SIP. You can increase your investment annually based on salary growth.

What is CAGR in SIP?

CAGR stands for Compound Annual Growth Rate. It shows the average annual growth rate of your investment over time.