Pakistan's money school
Understand money. Then put it to work.
Free lessons, honest calculators and today's rates, in plain English. No signup. No tips. Ever.
Education, not advice. Every number shows its source.
Rs 1 lakh from the end of 2015to 29 Sep 2026
- US stocks (S&P 500), in rupeesRs 11.9 lakh ×11.9
- GoldRs 10.5 lakh ×10.5
- PSX (KSE-100)Rs 5.2 lakh ×5.17
- Savings (policy rate, before tax)Rs 3.1 lakh ×3.09
- US dollars, as cashRs 2.6 lakh ×2.64
- Plot, Lahore (asking prices)Rs 2.4 lakh ×2.39
- Cash at homeRs 1 lakh ×1.00
Prices rose ×3.02. Left of the dashed line fell behind.
Try your own year →Dollar, interbankRs 277.12SBP · 29 Sep 2026
Gold 24k, per tolaRs 438,136Sarafa association · 28 Sep 2026
KSE-100169,600PSX · 29 Sep 2026
Policy rate11.5%SBP · held 14 Sep 2026
Inflation11.1%PBS · Aug 2026, year on year
Today's number: savings at the policy rate earn +0.4% a year after inflation, before tax. Why
Tools
Honest calculators. Every result is a link.
Rupee Time MachineWhat any amount from any year since 2010 became in US stocks, gold, the PSX, savings, dollars, a Lahore plot and cash, before and after inflation.Inflation calculatorWhat rupees from any year since 2010 are worth today, from the PBS consumer price index.Real return calculatorWhat a savings rate really earns after inflation and tax, and what your money is worth in today’s rupees.Goal plannerHajj, a wedding, school fees, a plot: what it will cost by then, and what to set aside each month.
Zakat calculatorSoonFrom what you actually hold: gold by the tola, cash, shares, funds. Waiting on a scholar’s review.
Where to park Rs 5 lakhSoonNational Savings, bank deposits, money-market funds and T-bills after tax, filer or not.
Is it Shariah-compliant?SoonAny PSX company, the screen it passes or fails, and why.
Committee trackerSoonWho has paid, whose turn is next, reminders for the group. We never hold the money.
Start here
Money basics, in six lessons
Free. No signup.
- 01 · 5 minInflation, the invisible taxWhy money that sits still shrinks, how much Pakistani prices have risen since 2010, and how to judge any return against inflation.
- 02 · 5 min · comingReal return: the only return that countsWhy a 20% return can lose money, the one formula that tells you, and how Pakistani savings fared after inflation, year by year.
- 03 · 6 min · comingCompounding, in rupeesHow money grows on its own growth, why starting five years earlier beats saving more, and what compounding did in Pakistan since 2010.
- 04 · 5 min · comingSaving vs investingWhat each is for, how long money should sit in each, and how to split between them.
- 05 · 7 min · comingRisk: what "it can go down" really meansThe best and worst years side by side, and why the start year decides the winner.
- 06 · 6 min · comingDiversification, without jargonWhy owning a few different things beats betting on one, in rupees.
Education,
not advice.
We never tell you what to buy.We explain how things work so you can decide.
Every number has a source and a date.See data and methods.
We never DM you or ask for money.Anyone who does is not us.