Investment Growth Calculator
See how a lump sum plus monthly contributions grows over time at any return rate — with a year-by-year breakdown of exactly how much came from your own money versus growth.
Growth Over Time
Year-by-Year Breakdown
| Year | Contributed So Far | Value | Growth So Far |
|---|---|---|---|
| 1 | Rs. 220,000 | Rs. 239,508 | Rs. 19,508 |
| 2 | Rs. 340,000 | Rs. 396,708 | Rs. 56,708 |
| 3 | Rs. 460,000 | Rs. 573,846 | Rs. 113,846 |
| 4 | Rs. 580,000 | Rs. 773,449 | Rs. 193,449 |
| 5 | Rs. 700,000 | Rs. 998,366 | Rs. 298,366 |
| 6 | Rs. 820,000 | Rs. 1,251,809 | Rs. 431,809 |
| 7 | Rs. 940,000 | Rs. 1,537,395 | Rs. 597,395 |
| 8 | Rs. 1,060,000 | Rs. 1,859,200 | Rs. 799,200 |
| 9 | Rs. 1,180,000 | Rs. 2,221,818 | Rs. 1,041,818 |
| 10 | Rs. 1,300,000 | Rs. 2,630,426 | Rs. 1,330,426 |
How This Is Calculated
Your initial amount grows on its own, compounding monthly:
Value from lump sum = P × (1 + r/12)n
Each monthly contribution also compounds from the month it's added:
Value from contributions = C × [((1 + r/12)n − 1) / (r/12)]
where P is your initial amount, C is your monthly contribution, r is your annual return rate, and n is the total number of months.
Worked example: Suppose you start with Rs. 100,000, add Rs. 10,000 every month, and assume a 12% annual return, over 10 years. Total contributed would be Rs. 100,000 + (Rs. 10,000 × 120 months) = Rs. 1,300,000. But thanks to compounding, the actual final value would be roughly Rs. 2,630,000 — over Rs. 1,330,000 of that purely from compound growth, not your own contributions.
Frequently Asked Questions
What is compound growth?
It's growth earned not just on your original money, but also on the growth you've already earned. Over long periods, this "growth on growth" effect can make up the majority of your final balance - the earlier you start, the bigger the effect.
What return rate should I use?
That's up to you and depends on where you'd actually invest - a bank savings account, government savings certificates, or the stock market all have very different typical returns. This calculator doesn't assume any specific rate; try a few different ones (e.g. 8-10% for conservative options, 15%+ for stock-market-like assumptions) to see how sensitive your result is. Our other tools, like Stock Risk Statistics, show real historical return rates for specific PSX stocks if you want a realistic number to plug in.
Why does the calculator compound monthly?
Monthly compounding matches how most real savings plans and monthly investment contributions actually work, and gives a smooth, realistic year-by-year growth curve.
Does this account for inflation or taxes?
No - this shows nominal (before-inflation, before-tax) growth only, to keep the math simple and transparent. Real purchasing power growth would be lower once you account for inflation.
Is this specific to PSX or Pakistani investments?
No - this is a general-purpose compound growth calculator that works for any currency or investment type. It doesn't use any PSX price data, unlike our other tools.
This tool is for educational purposes only and does not constitute investment advice. It assumes a constant return rate every year, which real investments never actually deliver - use it to understand the mechanics of compounding, not to predict your actual future balance. See also: Stock Risk Statistics (for real historical PSX return rates) · All Tools.