Goal-Based Savings Calculator

How Goal Planning Works

Goal-based investing reverses the typical approach: instead of asking "how much will I get?", you ask "how much do I need to invest to reach my target?" This calculator uses the future value formula with compounding to determine the exact monthly investment needed to reach your financial goal.

Popular Financial Goals

How the monthly amount is calculated

Goal planning runs the SIP maths backwards. Instead of asking what a monthly instalment grows into, it starts from the target and solves for the instalment:

• P — the monthly amount you need to invest
• FV — your target amount
• i — your expected annual return divided by 12
• n — the number of months until the deadline

Worked example. To reach PKR 50 lakh in 10 years at an expected 14% a year, you would need to invest about PKR 19,077 a month. Across the full term that is roughly PKR 22.9 lakh of your own money — the remaining PKR 27 lakh or so comes from returns compounding along the way.

When the monthly figure looks impossible

There are only three levers, and it is worth testing each before giving up on a goal. Give yourself more time — extending the deadline is by far the most powerful adjustment, because it lets compounding do more of the work. Lower the target to something you would still be happy reaching. Or raise the assumed return, which is the one lever you do not actually control, so treat it as the last resort rather than the first. Recheck the plan once a year: a raise, a bonus, or a year of unusually strong PSX returns can all put you ahead of schedule.