Savings Calculator
Project the future value of regular monthly savings with compound interest.
Savings Calculator
بچت کیلکولیٹر
Results
Breakdown
Detailed Breakdown
| Year | Deposited | Interest Earned | Total Value |
|---|---|---|---|
| Year 1 | Rs. 120,000.00 | Rs. 4,499.26 | Rs. 124,499.26 |
| Year 2 | Rs. 240,000.00 | Rs. 19,331.90 | Rs. 259,331.90 |
| Year 3 | Rs. 360,000.00 | Rs. 45,355.58 | Rs. 405,355.58 |
| Year 4 | Rs. 480,000.00 | Rs. 83,499.15 | Rs. 563,499.15 |
| Year 5 | Rs. 600,000.00 | Rs. 134,768.56 | Rs. 734,768.56 |
| Year 6 | Rs. 720,000.00 | Rs. 200,253.25 | Rs. 920,253.25 |
| Year 7 | Rs. 840,000.00 | Rs. 281,133.08 | Rs. 1,121,133.08 |
| Year 8 | Rs. 960,000.00 | Rs. 378,685.83 | Rs. 1,338,685.83 |
| Year 9 | Rs. 1,080,000.00 | Rs. 494,295.35 | Rs. 1,574,295.35 |
| Year 10 | Rs. 1,200,000.00 | Rs. 629,460.35 | Rs. 1,829,460.35 |
About the Savings Calculator
A regular savings plan — depositing the same amount every month — is the most reliable way for Pakistani families to build wealth, whether the goal is an emergency fund, a child's education, a wedding, or a plot of land. This savings calculator projects how monthly deposits grow when each instalment earns compound profit, so you can see the finish line before you start.
The calculation compounds your monthly deposit at the annual rate you enter. Because deposits are made every month, the first deposit earns interest for the whole period while the last earns almost none — the calculator accounts for this, giving you a realistic future value rather than a rough guess.
Where you keep monthly savings matters: Roshan Digital Accounts for overseas Pakistanis, high-yield saving accounts, mutual fund systematic investment plans (SIPs), and prize bonds each behave differently. The safest comparison is the profit rate each product actually pays, entered here with the same monthly amount, to see which grows your money fastest for the same risk.
Inflation is the silent enemy of savings. If the inflation rate is higher than your profit rate, the purchasing power of your savings falls even as the rupee balance grows. To plan in today's money, subtract expected inflation from the profit rate before running the calculation — for example, use 5% instead of 9% if you expect 4% inflation.
The results show three numbers: how much you will have deposited in total, the future value including profit, and the profit earned. Comparing these three across different rates and tenures is the clearest way to decide how aggressively to save and for how long.
How to plan monthly savings
- 1
Enter the amount you can realistically set aside every month.
- 2
Enter the annual profit rate your savings product pays.
- 3
Choose the number of years you will keep saving.
- 4
Read the total deposited, future value and profit earned, then adjust the monthly amount to meet your goal.
Frequently Asked Questions
What is the difference between savings and investment?
Savings typically refers to money kept in low-risk accounts that earn modest interest, while investment carries more risk in exchange for potentially higher returns. Both build wealth over time.
How does this calculator handle monthly deposits?
It treats each monthly deposit as earning compound interest at the annual rate, added monthly, which is how most savings accounts and recurring deposit plans work.
How much should I save each month?
A common guideline is to save 10–20% of your income, but the right amount depends on your goals and expenses. Start with whatever you can sustain and increase it when your income rises — consistency beats occasional large deposits.
Is saving in a bank account enough for retirement?
Bank saving accounts are excellent for short-term goals and emergency funds, but for retirement spanning decades, higher-yielding instruments like mutual funds or government securities are usually needed to outpace inflation. Diversify according to your risk tolerance.
What is the emergency fund rule?
Financial planners recommend keeping three to six months of essential expenses in an easily accessible account before investing elsewhere. This protects you from selling investments at a loss when unexpected costs arise.