Investment Details
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Sample Investment Returns in Pakistan
National Savings
~12–14% per year
Low risk, government-backed
Stock Market (PSX)
~15–20% per year (historical)
Higher risk, higher returns
Islamic Mutual Funds
~10–16% per year
Shariah-compliant
Real Estate
~8–12% per year
Long-term appreciation
Compound Interest Calculator
This free Compound Interest Calculator shows how your investments can grow over time when returns are reinvested. It supports yearly, quarterly, monthly and daily compounding, and can include regular monthly contributions to see the effect of consistent saving.
Compound interest is the process by which the interest you earn starts earning interest itself. This compounding effect grows your money faster the longer you stay invested, making it one of the most powerful concepts in personal finance.
How to Use the Compound Interest Calculator
- Enter the initial investment amount in PKR.
- Enter the expected annual interest rate.
- Set the duration and choose years or months.
- Select the compounding frequency.
- Add monthly contributions if you plan to save regularly.
- Click Calculate Growth.
What the Calculator Shows
- Final amount after the selected period
- Total contributions made
- Total interest earned through compounding
- Percentage of final balance from interest
- Rule of 72 doubling time estimate
Common Uses for Pakistani Investors
- Planning savings in National Savings Schemes (NSS)
- Estimating returns from mutual funds
- Projecting stock market (PSX) growth
- Evaluating real estate investment returns
- Setting long-term financial goals
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View AllFrequently Asked Questions
What is compound interest?
Compound interest is interest calculated on the initial principal plus all accumulated interest from previous periods. It is often called interest on interest and is the key to growing wealth exponentially over time.
How does compounding frequency affect returns?
More frequent compounding — daily versus monthly versus yearly — results in higher returns because interest is calculated and added more often. Daily compounding gives the highest returns, followed by monthly, quarterly and yearly.
What is a good investment return in Pakistan?
Government-backed savings schemes offer 12–14% returns with low risk. Stock market historically returns 15–20% but with higher volatility. A diversified portfolio targeting 12–18% returns is reasonable for most investors.
Is this compound interest calculator free?
Yes. Our compound interest calculator is completely free to use. No registration, no email required and no hidden charges. Plan your investments with confidence.
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