TimelyUps · Trading Tools

Retirement Planner

How much will your monthly savings grow by retirement? Project your corpus with compounding — and see why starting early beats saving more later.

Your Plan

Return guide: National Savings ~11–12% • Balanced mutual funds ~12–14% • Equity-heavy PSX portfolio ~14–16% (higher risk). Be realistic — use 10–12% for safe planning.

Your Retirement Projection

Projected Corpus
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You Contribute
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Growth (Compounding)
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EOBI & Pension Snapshot (Pakistan)

EOBI: Pakistan’s Employees’ Old-Age Benefits Institution covers registered private-sector employees. Employers contribute 5% and employees 1% of minimum wage. Pension starts at age 60 (55 for women in some cases) after 15 years of contributions. Check your EOBI status at eobi.gov.pk — but don’t rely on it alone; personal savings are essential.

Frequently Asked Questions

How much should I save for retirement in Pakistan?

A common rule: save 15–20% of income from your 30s. With 12% annual returns, Rs 25,000/month from age 30 to 60 grows to roughly Rs 7.5 crore — mostly from compounding, not contributions.

Is EOBI pension enough?

No. EOBI pensions are modest (linked to minimum wage). Treat EOBI as a supplement, not your plan — build personal savings via mutual funds, NSS, or PSX.

What return should I assume?

Use conservative figures: 10–12% for mixed portfolios. Equity can deliver more long-term but with volatility. Never plan retirement on optimistic 18–20% assumptions.

What about inflation?

Pakistan’s inflation has averaged ~8–10% in recent years. Your “real” return = nominal return minus inflation. A 12% return with 9% inflation = ~3% real growth. This calculator shows nominal values.

Disclaimer: Projections use monthly compounding at your chosen rate and are illustrative only. Actual returns vary; mutual funds and equities carry risk. This is educational, not financial advice — consult a licensed advisor.