Mutual fund profit calculator

A SIP means investing a fixed amount in a mutual fund at regular intervals, usually monthly, instead of investing everything at once. It builds a habit, spreads your purchases across different prices and lets returns compound over time. Most Pakistani asset management companies, including Islamic fund managers, accept monthly SIPs.

Enter a monthly SIP amount or a one-time lump sum, a duration in years and the annual total return you expect. The calculator grows each contribution at that annual rate, month by month, and shows the projected value, the total amount invested and the projected gain. It is a projection based on your assumption, not a forecast or a guarantee.

Returns vary by fund type and change over time. Money market and income funds have historically tracked profit rates in the economy, while equity funds move with the stock market and can swing widely from year to year. Check the historical returns of funds you are considering in the fund directory and use a conservative assumption.

A lump sum puts all your money to work immediately, which can help in a rising market. A SIP spreads your investment over time, reducing the risk of investing everything at a market peak and fitting a monthly salary. Many investors combine both. Try each option in the calculator to compare the outcomes for your numbers.

Yes. Every fund page and the comparison tool include a historical SIP calculator that uses the fund’s actual daily NAVs and reported payouts, with an annualised return (XIRR). Past performance does not guarantee future results.

No. Sales loads, management fees already reflected in NAV, capital gains tax and Zakat deductions are not modelled separately. Your actual result may differ, so review the fund’s offering document and current tax rules.