Funds
Pension scheme projection calculator
Project a pension fund built by a rising monthly contribution, and the pension it could pay.
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Monthly pension
PKR 597,088.76
- Total you contributed: PKR 15,945,323.40 (22%)
- Growth: PKR 55,915,097.41 (78%)
- Fund when contributions stop
- PKR 71,860,420.81
Year by year
| Year | Contributed so far | Fund |
|---|---|---|
| 1 | PKR 240,000 | PKR 253,405.62 |
| 2 | PKR 492,000 | PKR 546,016.41 |
| 3 | PKR 756,600 | PKR 882,571.16 |
| 4 | PKR 1,034,430 | PKR 1,268,336.58 |
| 5 | PKR 1,326,151.50 | PKR 1,709,164.11 |
| 6 | PKR 1,632,459.08 | PKR 2,211,552.85 |
| 7 | PKR 1,954,082.03 | PKR 2,782,719.11 |
| 8 | PKR 2,291,786.13 | PKR 3,430,673.32 |
| 9 | PKR 2,646,375.44 | PKR 4,164,305.16 |
| 10 | PKR 3,018,694.21 | PKR 4,993,477.62 |
| 11 | PKR 3,409,628.92 | PKR 5,929,131.04 |
| 12 | PKR 3,820,110.36 | PKR 6,983,398.15 |
| 13 | PKR 4,251,115.88 | PKR 8,169,731.28 |
| 14 | PKR 4,703,671.68 | PKR 9,503,043 |
| 15 | PKR 5,178,855.26 | PKR 10,999,861.59 |
| 16 | PKR 5,677,798.02 | PKR 12,678,502.93 |
| 17 | PKR 6,201,687.93 | PKR 14,559,260.55 |
| 18 | PKR 6,751,772.32 | PKR 16,664,615.72 |
| 19 | PKR 7,329,360.94 | PKR 19,019,469.59 |
| 20 | PKR 7,935,828.98 | PKR 21,651,399.98 |
| 21 | PKR 8,572,620.43 | PKR 24,590,945.05 |
| 22 | PKR 9,241,251.46 | PKR 27,871,916.92 |
| 23 | PKR 9,943,314.03 | PKR 31,531,748.35 |
| 24 | PKR 10,680,479.73 | PKR 35,611,875.84 |
| 25 | PKR 11,454,503.72 | PKR 40,158,163.05 |
| 26 | PKR 12,267,228.90 | PKR 45,221,368.87 |
| 27 | PKR 13,120,590.35 | PKR 50,857,664.58 |
| 28 | PKR 14,016,619.86 | PKR 57,129,205.46 |
| 29 | PKR 14,957,450.86 | PKR 64,104,762.57 |
| 30 | PKR 15,945,323.40 | PKR 71,860,420.81 |
How it is calculated
Each month's contribution goes in at the start of the month, and the month earns one twelfth of the yearly return. The contribution is raised once a year.
Fund = the sum of every contribution grown to the end of the contributing years. It is rounded to the paisa once.
Monthly pension = the amount that uses the fund up exactly over the years the pension is paid, at the return while it is paid.
Assumptions
- The contribution is raised by 5% at the start of each year.
- The return is 10% a year while contributing and 8% a year while the pension is paid, added each month.
- Contributions and pension payments are made at the start of every month.
- No tax credit, employer share, fee or rule of any pension scheme is counted.
Results are worked out from the figures you enter and are only estimates. They are not advice.
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