TopToolsAiProject how much your retirement savings could grow to by a target age, based on your current savings, monthly contributions and an expected annual return. Starting with PKR 500,000 saved, contributing PKR 20,000 a month, and earning an average 8% annual return, a 30-year-old could realistically be looking at more than PKR 30 million by age 60 — most of that growth coming from compounding in the final decade.
Last updated: 1 Sep 2026
How to use Retirement Savings Calculator
- Enter your current age, planned retirement age, and current savings.
- Enter your monthly contribution and expected annual return (%).
- Click "Calculate" to see your projected savings at retirement.
Frequently asked questions
What return rate should I use?
A commonly used long-term average for diversified stock market investments is around 7-8% per year, but actual returns vary and are never guaranteed.
Does this account for inflation?
No — this projects nominal future value. To estimate real (inflation-adjusted) value, reduce your assumed return rate by the expected inflation rate.
How much difference does starting early actually make?
A large one — thanks to compounding, money invested a decade earlier can end up worth substantially more, even with smaller total contributions, than money invested later.
Should I include my employer's contribution?
Yes — if your employer matches part of your contribution, include that combined monthly amount for a more accurate total projection.
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