Lumpsum Investment Calculator

You enter the amount you will invest once, the average yearly return you expect and the number of years. The calculator grows the money by one year of return at a time, so the table shows exactly what you would hold at the end of every year and the chart shows how the gains pile up on top of your original amount.

Tax, when you enter it, is charged on the gain only (future value minus what you put in) and never on the original amount. If you add a monthly top-up, the calculator switches to the same month-by-month engine as the SIP calculator, so the two always agree.

Put Rs 500,000 to work for 10 years. At 14% a year it grows to about Rs 1,853,611, a gain of Rs 1,353,611. At 11%, a bank-deposit or income-fund style return (the 12% policy rate less about a point for fees), the same money reaches Rs 1,419,710. The gap of Rs 433,900 is what three extra points of return are worth over a decade, before accounting for the extra risk of equity-like investments.

Two things stand out. First, time does most of the work: the 14% case earns Rs 1,353,611 on Rs 500,000, far more than the first few years suggest, because each year compounds on the last. Second, inflation takes a real bite: in today's rupees the 8% case is worth only Rs 548,744, a gain of just Rs 48,744 over ten years. If tax on gains took an illustrative 15%, the 14% result would fall by Rs 203,042, to Rs 1,650,569.

A lump sum puts all your money to work from day one, so when markets rise it tends to beat spreading the same total over months. The price is timing risk: if you invest everything just before a fall, you carry the full loss and wait longer to recover. A SIP trades some of that upside for smoother entry prices and fits a monthly salary.

The two are not either-or. Add a monthly top-up of Rs 10,000 under More options and the same Rs 500,000 at 14% for 10 years puts in Rs 1,700,000 and grows to Rs 4,346,534. If you have a large amount to invest at once and the market feels expensive, moving it in over several months is a common middle path. To work out what monthly amount a goal needs, try the goal planner.

• Where the return comes from. Bank deposits, National Savings schemes and income or money market funds follow the State Bank's policy rate, so they pay less when rates fall. PSX shares and equity funds can return more in the long run but are volatile. Use the compound interest calculator for deposits that quote a profit rate with monthly payout.
• Inflation. The calculator's default of 7% is an assumption: it is the FY2026 average of 7.05%, while the latest reading is 10.3% year on year for September 2026. Pakistan's inflation has swung from low single digits to nearly 38% in recent years, so check the inflation calculator and use a figure you are comfortable with.
• Tax. Capital gains, dividends and deposit profit are taxed under different rules, and your filer status changes the rate. Read the PSX capital gains and dividend tax guide and use the capital gains tax calculator before settling on the rate to enter.

• Using last year's return as a forecast. Pick an average you could plausibly earn over the whole period.
• Comparing a nominal result across long periods without adjusting for inflation. The "today's money" line is the fairer yardstick.
• Forgetting tax and costs. Brokerage, fund charges and tax all reduce what you keep.
• Confusing the return you expect with the CAGR you actually got. Work backwards from real results with the CAGR calculator.