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PakCalc

Retirement Calculator — Plan Your Pension Pot

Estimate how much you'll have when you retire if you keep saving a fixed amount every month, and what that pot is worth in today's rupees.

Updated

years
years
PKR
PKR
%
%

Result

Rs 105,348,924 (10.53 crore)

At 60 you could have Rs 105,348,924 (Rs 10,469,295 in today's money)

Years to retirement
30
Value in today's money
Rs 10,469,295 (1.05 crore)
Total you put in
Rs 9,500,000 (95 lakh)
Growth from returns
Rs 95,848,924 (9.58 crore)
Monthly income at 4% withdrawal
Rs 351,163 (Rs 34,898 today)
  • Returns and inflation are assumptions, not guarantees. The 4% rule is a rough guide for how much a pot can pay out each year.

For information only — not financial, tax or legal advice. Verify rates and figures with your bank, FBR or another official source before making decisions.

About this calculator

In Pakistan, Voluntary Pension Schemes (VPS) also give a tax credit on contributions — a good place to start if you have no employer pension.

Formula

Future value = Savings × (1 + r)ⁿ + Monthly × ((1 + r)ⁿ − 1) ÷ r

Today's value = Future value ÷ (1 + inflation)^years

r is the monthly return and n the number of months until retirement. The 4% rule estimates a sustainable yearly withdrawal from the pot.

Examples

  • Age 30, Rs 25,000/month, 12% return

    At 60 you could have Rs 105,348,924 (Rs 10,469,295 in today's money)

  • Age 40, Rs 50,000/month, 10% return

    At 60 you could have Rs 52,624,589 (Rs 11,290,511 in today's money)

Important information

  • Inflation matters enormously over decades: at 8% a year, prices roughly double every 9 years.
  • Increasing your monthly saving each year with your salary makes a big difference — try a higher monthly amount to see the effect.

Frequently asked questions

How much do I need to retire?

A common rule of thumb is 25 times your expected yearly spending (the inverse of the 4% rule).

What return should I assume?

Use a realistic long-term figure for your mix of investments. Bank deposits earn less than equity funds but are steadier.

What is the 4% rule?

Withdrawing about 4% of your pot in the first year, then adjusting for inflation, has historically lasted around 30 years.

Does this include EOBI or a company pension?

No. Add those separately to the monthly income estimate.

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