Savings Calculator Pakistan
See how your savings grow with compound interest. Set a goal, compare rates, and maximize returns.
See how changes affect your returns
How is compound interest calculated?
A = P × (1 + r/n)^(n×t). P = principal, r = annual rate, n = compounding frequency (12 for monthly), t = years.
What's the difference between compound and simple interest?
Simple interest: you earn interest only on your original deposit. Compound: you earn interest on your interest too — the difference grows massively over time.
How often should I check my savings?
Set it and forget it. Monthly contributions + compound interest do the work. Review quarterly to ensure your rate is still competitive.
Savings accounts and deposit terms in Pakistan
Savings returns in Pakistan are paid in PKR. Buzdy holds opening terms for 27 accounts from 29 banks, so you can put a real minimum balance and a real rate into the calculator above.
Looking for a credit card, a loan or a savings account in Pakistan?
Compare what banks in Pakistan actually offer — rates, fees and eligibility, updated for 2026.
Savings & deposit accounts in Pakistan
| Account | Bank | Profit / interest | Initial deposit | Minimum balance |
|---|---|---|---|---|
| HBL Value Account | HBL Bank | Profit payout on quarterly basis | No initial balance required | 40000 |
| PLS Savings Account | Soneri Bank | 14.50(% p.a) | 100 | No requirement |
| Soneri Savings Account | Soneri Bank | Tiered* | 1000 | 5000 |
| Youngster Minor Saving Account | Soneri Bank | As per the minimum profit rate to be paid on all Pak Rupee Saving Deposits set by SBP | 100 | No requirement |
| Special Notice Deposit | Bank Al Habib Limited | 9.50% (7 Days Notice) and 9.50% (30 Days Notice) | 25000 | — |
| Soneri Pensioners Account | Soneri Bank | On monthly average balance | — | Exempted / Not applicable |
| Alfalah FC Fixed Account | bank alfalah | Profit paid at maturity | No minimum amount of placement | — |
| Fixed Term Deposit | Bank Al Habib Limited | Indicative: 1 Month 9.50% p.a, 3 Months 9.50% p.a, 6 Months 9.50% p.a, 1 Year 11.50% p.a, 2-5 Years 10.75% p.a | 25000 | — |
| Soneri Ikhtiar Account | Soneri Bank | — | 1000 | 5000 |
| Soneri Current Account | Soneri Bank | — | 1000 | 5000 |
| Mahana Term Deposit Account | bank alfalah | Profit paid every month | 100000 | — |
| ALHabib Mahana Munafa Account | Bank Al Habib Limited | 1 Year 11.25% p.a, 2 to 5 Year 10.50% p.a (Rates Effective from May 1, 2026) | 25000 | — |
| NRSP Bachat Account | NRSP Microfinance Bank Limited | Profit will be paid on calendar half year | 50 | — |
| NRSP Behtreen Current Account | NRSP Microfinance Bank Limited | Profit will be paid on calendar half year | 50 | — |
| Basic Saver Account | Standard Chartered | Attractive interest rate of 10% APR | 100 | — |
| ALHabib Salana Munafa Account | Bank Al Habib Limited | Indicative Rate of Profit 11.50% p.a (Rates Effective from May 1, 2026) | 25000 | — |
| Kissan Bachat Account | NRSP Microfinance Bank Limited | Profit Payout Interval Half Yearly | 50 | — |
| Tanzeem Bachaat Account | NRSP Microfinance Bank Limited | Profit Payout Interval Half Yearly | — | — |
| Ziada Munafa Term Deposit | NRSP Microfinance Bank Limited | — | 1000 | — |
| Treasurer's Call Account | Bank Al Habib Limited | Indicative Rate of Profit is 9.75% p.a | — | — |
| Soneri Asaan Account | Soneri Bank | On monthly average balance | 100 | — |
| Basic Banking Account | Soneri Bank | — | 1000 | No requirement |
| Soneri Foreign Curency Account | Soneri Bank | Semi-annually | — | For FCY Current account – Rs. 50/- equivalent to the account currency (inclusive of FED) |
| Soneri Ladies First Account | Soneri Bank | — | 1000 | NIL |
| Soneri Nigehban Term Deposit | Soneri Bank | — | — | PKR 25,000 |
| Soneri Sahara Account | Soneri Bank | On monthly average balance | — | — |
| Mustaqeem Rahat Account | Soneri Bank | — | Rs. 100 | — |
27 accounts from 6 banks with published opening terms. Amounts are in PKR.
Worked example — PKR 1,000,000 saved for 12 months in Pakistan
- Deposit
- PKR 1,000,000
- Rate used
- 11.5% a year
- Compounding
- Monthly
- Value after 1 year
- PKR 1,121,259
- Profit earned
- PKR 121,259
Rate taken from ALHabib Salana Munafa Account (Bank Al Habib Limited), the highest published rate Buzdy holds for Pakistan. Actual returns depend on the bank's terms and any tax or zakat deduction.
Banks we track in Pakistan
Keep going in Pakistan
Guides for Pakistan
Pakistan — frequently asked questions
How much do I need to open a savings account in Pakistan?
Published opening deposits among the accounts we track include No initial balance required; 100000; No minimum amount of placement; 25000.
Which banks offer savings accounts in Pakistan?
Buzdy lists 27 savings and deposit accounts in Pakistan from banks including HBL Bank, bank alfalah, Bank Al Habib Limited, Standard Chartered, NRSP Microfinance Bank Limited, Soneri Bank.
What is the best savings rate in Pakistan?
The highest published rate in our Pakistan data is 11.5% on ALHabib Salana Munafa Account from Bank Al Habib Limited. Rates change often — check with the bank before you commit.
How does compound interest work?
You earn profit on your profit. The calculator above compounds monthly, so each month's interest is added to the balance before the next month is worked out.