Kahan Lagayein? پیسہ کہاں لگائیں

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Education, not licensed advice.

پیسہ کہاں لگائیں؟

Where should your savings go?

Type in your amount. See where it can go, how much it can grow, and what is safe or risky. Plain words, real rupees.

Plan your money

25 lakh

Type a number, or words like "25 lakh" or "1.5 crore".

When might you need this money?
What do you want from it?
About you

This helps you learn. It is not personal advice. No sign-up, nothing to buy, and your answers stay on your device.

Money just sitting there?

Most savings in Pakistan sit in current accounts, wallets or cash at home, earning nothing. See what the same money could earn somewhere you can still take it out in a day or two.

5 lakh

For how long?
About you

Start at any age

Find your age. See what you can do and one easy first step. Only official, government-checked options.

  • 13 to 17

    Teens

    • Open your own bank account or mobile wallet, with a debit card
    • Own shares in a minor account that a parent runs for you
    • Ask a parent to save in National Savings for you

    You need: B-Form or Juvenile Card. A parent's CNIC for a minor account.

    First step: Open your own account and save the same small amount every month.

  • 18 to 25

    Students and first jobs

    • Buy shares with a PSX Sahulat account (just your CNIC)
    • Start a money market fund or ETF from about Rs 500
    • Freelancers: open a Freelancer Digital Account

    You need: Your CNIC. Become a tax filer early, as filers pay about half the tax.

    First step: Keep 3 months of spending in a money market fund, then add a little to an ETF every month.

  • 26 to 45

    Working and family

    • Use halal versions of most options
    • Pay into a pension plan (VPS) and pay less tax
    • Keep money for the next 3 years safe; grow the rest

    You need: Your CNIC, and filer status to keep tax low.

    First step: Put your amount in the planner at the top. It shows the split for your goal.

  • 60 and over

    Retired, or close to it

    • Behbood or Pensioners' account: profit every month, backed by the government
    • Take up to half of a pension plan out tax-free when you retire
    • Keep most money where it is safe

    You need: Your CNIC, and pension papers for the Pensioners' account.

    First step: In the planner, tick "Aged 60+" and choose "Monthly income".

More details and what is not confirmed
  • Teen accounts are a new SBP rule from April 2026: rupees only, no cheque book, no loans. At 18 it becomes a normal account.
  • Minor share accounts have been allowed since November 2025. At 18 the shares move to your own name with no tax on the move.
  • PSX Sahulat accounts go up to Rs 30 lakh. Pension plans (VPS) start at 18; the tax saving covers up to 20% of your taxable income.
  • Behbood and the Pensioners' account pay 12.96% a year from 21 Oct 2026.
  • Not confirmed yet: the exact ID and limits for teen accounts, and whether funds and National Savings can be held in a child's own name. Ask the bank or office before you go.

Today's numbers

How much the main options pay a year, before tax. Each number shows its date. A ≈ sign means it is an estimate.

    What changed lately

      What people say vs what happened

      Things Pakistanis often say about money, checked against official numbers from SBP (the central bank), FBR (tax office) and PSX (the stock market). Many were true in 2018-23 but not since.

        PSX snapshot

        Facts, not tips. A share is a small piece of a company. Below are the big companies Pakistanis talk about most, and ETFs, which let you own a little of many companies in one go. Nothing here tells you to buy.

        Popular companies that pay a yearly share of profit

        Prices on 30 Oct 2026. Price changes leave out profit payouts. Payouts are rough estimates.
        CodeCompanyBusinessPrice (Rs)Price vs profit (P/E)Last 1 year2026 so farShares that tradeYearly payout*

        Half of these went up and half went down last year. Even the shares people talk about most online did worse than the whole market (the KSE-100). Price vs profit (P/E): how many years of profit the price equals; lower can mean cheaper. Shares that trade: if few shares are for sale, the price can jump around more.

        ETFs: buy many companies at once

        Size of each fund, about 30 Oct 2026. Few people trade these each day, so when you buy, set the highest price you will pay (a "limit order").
        CodeFundWhat it followsYearly feeSize (Rs billion)

        Data: PSX data portal (opens in new tab). Check live prices before acting.

        Can I buy Apple or Tesla shares from Pakistan?

        Yes, there is one legal way, with limits. Many other ways you see online are risky, against the rules, or scams.

        • Allowed

          • Up to $25,000 a year in shares of companies listed abroad (like Apple or Tesla), sent through one bank branch you choose.
          • You must be a tax filer, use money you paid tax on, and tell SBP within a month (form V-100).
          • Any profit or money from selling must come back to Pakistan, in rupees.
          • Inside Pakistan: PMEX (a regulated exchange) has futures on US markets like the S&P 500. These are bets on the price, with borrowed money, not owning shares. Risky.

        • Unclear (grey)

          • Paying a foreign app by debit card, Wise, Payoneer or a freelancer dollar balance. People do it, but it skips the bank route above.
          • Buying foreign ETFs: the rule says "shares of companies" and does not say if ETFs count.
          • Leaving profit abroad instead of bringing it home.

        • Not allowed or a scam

          • Forex, CFD or "margin trading" apps based abroad. SBP banned sending money to them in 2022.
          • Any "broker" not licensed by SECP, especially ones found on WhatsApp, Telegram or Instagram.
          • Crypto apps without a PVARA licence, and "tokenised shares" on crypto exchanges. These are not real shares.

        How the fake "US share" apps work

        1. Someone adds you to a WhatsApp or Telegram group with "signals".
        2. The app shows big profits on screen, and lets you take out a small amount to win your trust.
        3. Then they push you to put in more. When you try to take it all out, there is a "fee" or the app disappears.

        SECP has warned about fake apps using the name of Interactive Brokers ("IBKR"), Quotex and copies of real brokers. Check any company on the SECP, PSX or PMEX broker lists first, or paste the message into the scam check.

        Tax: if you live in Pakistan, profit from abroad is taxed here, and you must declare foreign income over $10,000 or foreign assets over $100,000 a year. Rules from the SBP Foreign Exchange Manual, Chapter 20. Not confirmed: the tax rate on foreign share profits.

        Advice board

        What Pakistanis tell each other about money. Vote up what makes sense. Every post is someone's opinion, not advice.

        Share your advice
        Who is it for?

        Posts are saved only in this browser for now.

          Someone offered you a "scheme"?

          Paste the WhatsApp message or pitch. We check it for the red flags behind Pakistan's biggest investment frauds.

          Money words, made simple

          Words you will see on this site and in banks, in plain English and simple Urdu.

          Profit / return منافع
          Extra money your savings earn on top of what you put in.
          Interest سود
          Extra money a bank pays you, or charges you. Many Muslims avoid it; halal options use profit-sharing instead.
          Inflation مہنگائی
          Prices going up, so the same money buys less each year.
          After tax ٹیکس کٹنے کے بعد
          What you keep after the government takes its share.
          Filer فائلر
          Someone who files a tax return every year. Filers pay about half the tax non-filers pay.
          Guaranteed پکا
          You are promised your money back. Only government schemes, and bank deposits up to Rs 10 lakh, are.
          Risk خطرہ
          The chance you get back less than you put in.
          Share / stock شیئر
          A small piece of a company. If the company does well, the piece is worth more.
          PSX اسٹاک ایکسچینج
          Pakistan Stock Exchange: the market where shares are bought and sold.
          KSE-100
          A number that shows how the 100 biggest companies on PSX are doing overall.
          Mutual fund میوچل فنڈ
          Many people put money together and a licensed company invests it for them.
          Money market fund
          A very safe fund that lends to the government and banks. You can take money out in 1 to 2 days.
          REIT
          A fund on PSX that owns big buildings, like malls and offices. You own a small share and get part of the rent.
          ETF
          A fund you buy on PSX like a share. It owns a little of many companies at once.
          T-bill ٹریژری بل
          A short loan you give the government. It pays you back with profit after 3 to 12 months.
          National Savings (CDNS) قومی بچت
          The government's savings schemes, like Behbood and Sarwa, at post-office-style branches or on the app.
          Dividend ڈیویڈنڈ
          Part of a company's profit paid to people who own its shares.
          Compound growth منافع پر منافع
          Profit that starts earning profit too, so money grows faster over time.
          Halal / Shariah-compliant شرعی
          Follows Islamic rules: no interest, no forbidden businesses.
          Lakh / crore لاکھ / کروڑ
          1 lakh = 100,000. 1 crore = 100 lakh = 10 million.
          SECP
          The government body that licenses investment companies and brokers. If it is not on their list, stay away.

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