GenzeeRetirement Savings Calculator
See what your current savings and monthly contributions will actually grow to by retirement, based on your expected rate of return.
Projected balance at retirement
PKR 63,477,301
In 35 years, at age 60
How this calculator works
It projects two things forward to your target retirement age: the lump sum you already have, and the stream of monthly contributions you plan to keep making. Both grow at your expected annual return, compounded monthly, using the standard future-value-of-an-annuity formula.
Why the "growth" number is usually bigger than you expect
Over a long enough horizon, investment growth compounds on itself — the returns you earn in year five also earn returns in year twenty. That's why starting even ten years earlier, even with a smaller contribution, tends to beat starting later with a much larger one. The calculator splits your projected balance into "what you contributed" versus "growth from returns" specifically so this effect is visible, not hidden inside one lump number.
Choosing a realistic return rate
7-12% a year is a common range for a diversified equity-heavy portfolio over long periods, before inflation. A more conservative mix of bonds and cash will sit lower. Whatever you pick, treat it as one estimate among several — try the calculator at two or three different return assumptions to see how sensitive your outcome is.
Frequently asked questions
How much should I save for retirement?
A common rule of thumb is that your total retirement savings should eventually support roughly 25 times your annual expenses, so you can withdraw a sustainable percentage each year without running out. This calculator works from the other direction — starting with what you can actually contribute — so you can see where a given monthly amount gets you and adjust from there.
Does this account for inflation?
No — the projected balance is in today's money terms only if your return rate is already an "after-inflation" (real) rate. If you use a nominal return rate (the type usually quoted for stock market averages), the projected balance is in future, inflated rupees, which will buy less than the same number does today.
What counts as a monthly contribution?
Any amount you consistently set aside for retirement — pension contributions, an investment account, a recurring savings transfer. If your contribution varies, use a realistic average rather than your best month.