Savings Calculator — Grow Your Monthly Savings
Plan for a goal — a house, a wedding, Hajj, or education — by seeing what regular monthly saving can grow into.
Updated
For information only — not financial, tax or legal advice. Verify rates and figures with your bank, FBR or another official source before making decisions.
Formula
FV = Start × (1 + r)ⁿ + Monthly × ((1 + r)ⁿ − 1) ÷ r
r = annual return ÷ 12 ÷ 100, n = months
Assumes monthly compounding and deposits made at the end of each month.
Examples
Rs 20,000/month for 5 years at 10%
After 5 years you could have Rs 1,548,741
Rs 1 lakh start + Rs 10,000/month for 10 years at 12%
After 10 years you could have Rs 2,630,426
Rs 15,000/month for 3 years at 0% (a committee)
After 3 years you could have Rs 540,000
Important information
- Inflation reduces what your savings can buy. Compare the expected return with the inflation rate.
- A traditional 'committee' (ROSCA) earns no profit; use 0% to model it.
Frequently asked questions
How much will I have if I save Rs 10,000 a month?
Over 10 years at 12% a year (compounded monthly), about Rs 23 lakh, of which Rs 12 lakh is your own deposits.
What return should I expect?
It depends on where you save — bank savings accounts, National Savings, mutual funds and stocks carry very different returns and risks.
Does this include tax?
No. Withholding tax on profit reduces the final amount.
What is a committee?
A rotating savings group where members contribute monthly and each receives the pot once. It is useful for discipline but earns no return.
Learn more
- How to Calculate Zakat in Pakistan (2026) — What counts as zakatable wealth, how the silver and gold nisab work in rupees, what to deduct, and a worked example of 2.5% zakat on cash and gold.
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