SIP Calculator
Project the future value of a monthly Systematic Investment Plan into Shariah-compliant mutual funds.
Projected value after 10 years
PKR 2,323,390.76
Estimate only — assumes a constant annual return. Actual fund performance varies and is not guaranteed. Consult a Shariah advisor before investing in an Islamic mutual fund SIP.
What a SIP is, and why it suits Shariah-compliant investing
A Systematic Investment Plan (SIP) means investing a fixed amount on a fixed schedule — usually monthly — instead of trying to time a single lump-sum entry. For Islamic mutual funds in Pakistan, most AMCs (Al Meezan, HBL Islamic, UBL Islamic, and others) allow SIP entry with minimums as low as PKR 1,000–5,000, making it one of the most accessible ways to start Shariah-compliant investing without needing a large amount of capital up front.
Because SIP smooths your entry price across market ups and downs (rupee-cost averaging), it removes the pressure of guessing the "right" time to invest — which matters even more for equity-heavy Islamic funds that can be volatile in the short term but historically reward patient, consistent investors over 5+ year horizons.
This calculator projects gross future value only. Any dividend income within the fund may need Zakat and purification adjustments depending on the fund's underlying holdings — always check the fund's own Shariah advisor disclosures for its purification rate before treating the full amount as yours.
For more on how compliance is determined at the stock level (which is what feeds into a Shariah fund's screening), see our breakdown of the six screening ratios.