Compounding · Homework calculator
Wealth vision (PKR path)
Map current savings + monthly PKR + a rate you type into a future nest - then compare to a vision goal. Homework, not a product.
Score guide
Plain-English read on your result
You type rates
Fees & tax - not frozen in code
Educational only
Not a broker ticket or FBR filing
Formula
FV ≈ PV×(1+r)^n + PMT×((1+r_m)^m − 1)/r_m. Gap ≈ vision goal − FV (when you enter a goal).
Classroom: 500,000 now + 15,000/mo for 10 years at 8%
At an 8% rate you typed, the worksheet shows a vision nest from today’s pile plus monthly adds. If you also type a goal, you see shortfall or surplus - still not a SIP sale.
Result
HomeworkFill the fields on the left to see classroom math and a plain-English read of your number.
Understand your number
Nest egg if today’s savings and monthly adds grow at your rate.
Typical homework range: Gap vs optional goal shows shortfall homework - not failure, just math.
Score guide
| Range | Label | What it means for you |
|---|---|---|
| Gap > 0 | Short of goal | Raise monthly PKR, extend years, or lower goal - or accept a different path. |
| Gap ≤ 0 | Meets goal on paper | Only at the rate you typed - stress-test with lower rates. |
- Gap > 0 - Raise monthly PKR, extend years, or lower goal - or accept a different path.
- Gap ≤ 0 - Only at the rate you typed - stress-test with lower rates.
Vision calculator is planning literacy, not financial planning advice.
Related with these numbers: Rupee-cost average (monthly PKR) · Compound growth worksheet · Goal → monthly PKR · Retirement path (homework)
The rate is yours. Markets do not guarantee it. Not a SIP or mutual-fund pitch.
FAQ
Is 8% a Pehle Samjho forecast?
No. Every rate box is yours. PSX and this desk do not guarantee returns.
Is the result a buy or sell signal?
No. It is classroom arithmetic. Compare with filings and a licensed broker before any real order.
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