Tax-Optimized Wealth Projection
Mutual Fund & SIP Calculator
Calculator Mode
Contributions
PKR
Lump-sum seed capitalPKR
Ongoing contributionGrowth & Time Horizon
%
Low 8-12% · Med 9-15% · High 14-18%yrs
1 to 60 yearsMost free SIP calculators show a clean, optimistic maturity amount — but Pakistani investors in a Meezan, Al Meezan, NBP, or UBL fund, or any other AMC, know their actual take-home is usually smaller. Two costs get ignored almost everywhere else. First, withholding tax on capital gains depends entirely on your Active Taxpayer (Filer) or Non-Filer status with FBR — the difference between 15% and 30% tax can swing your real return dramatically over a long horizon. Second, every fund charges a front-end load (a sales charge deducted when you invest) and an ongoing Total Expense Ratio (TER) that quietly reduces the fund's Net Asset Value (NAV) year after year. This mutual fund tax calculator is built specifically to model all of this — switch to Realistic mode to see your projection after Filer/Non-Filer tax, load, fees, and inflation, instead of the inflated number most calculators leave you with.
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A SIP (Systematic Investment Plan) calculator projects how a recurring investment grows over time by compounding your contributions at an expected annual return. This calculator offers both a Simple mode for a quick estimate and a Realistic mode that also factors in step-up contributions, front-end load, recurring maintenance fees, capital gains tax, and inflation — so the final number reflects real, take-home purchasing power.
Simple mode gives a quick growth estimate using only your initial investment, SIP amount, expected return, and time horizon — similar to most basic SIP calculators available online. Realistic mode adds annual step-up contributions, additional lump-sum injections, front-end load, maintenance fees, capital gains tax (including Pakistan filer/non-filer rates), and inflation adjustment, giving a far more accurate picture of what you will actually take home.
Yes, in Realistic mode. You can select Pakistan-specific capital gains tax treatment (15% for tax filers, 30% for non-filers), enter a custom tax rate, or turn tax off entirely. It also lets you set an expected inflation rate so you can see your gains in both nominal and inflation-adjusted terms — useful given Pakistan's historically high average inflation.
A lump sum calculator projects growth on a single one-time investment, while a SIP calculator models recurring periodic contributions (monthly, quarterly, etc.), often with an annual step-up. This tool supports both — enter an Initial Investment for a lump sum, an SIP amount for recurring contributions, or combine both in a single projection.
In Realistic mode, you can enter a front-end load (a percentage deducted from each contribution) and a maintenance or AMC fee, either as a fixed recurring charge or as a percentage of your portfolio value per year. Both are deducted from the projection and shown separately in the Cost Breakdown section alongside capital gains tax. Simple mode excludes all fees for a quick, uncomplicated estimate.
No. While the tax presets are tailored for Pakistani investors (filer/non-filer rates), the underlying growth, fee, and inflation model is generic and works for any mutual fund or SIP anywhere in the world — just switch the tax mode to "Custom" or "No Tax" and enter your own local rate.
The calculator uses constant assumed rates for return, fees, and inflation, so it is a projection tool, not a guarantee. Actual mutual fund NAVs fluctuate year to year, so treat the output as a planning estimate and verify tax treatment with a licensed financial advisor before investing.