*Calculations are estimates based on historical annualized rates. Actual returns depend on fund performance.
function calculateAWTProfit() {
// Clear errors
document.getElementById('awtError').style.display = 'none';
document.getElementById('awtResults').style.display = 'none';
// Get Inputs
var principal = parseFloat(document.getElementById('awtInvestAmount').value);
var rate = parseFloat(document.getElementById('awtProfitRate').value);
var years = parseFloat(document.getElementById('awtDuration').value);
var taxPercent = parseFloat(document.getElementById('awtTaxStatus').value);
// Validation
if (isNaN(principal) || isNaN(rate) || isNaN(years) || principal <= 0 || rate < 0 || years <= 0) {
document.getElementById('awtError').style.display = 'block';
return;
}
// Calculation Logic
// Gross Profit = Principal * (Rate/100) * Years
var grossProfit = principal * (rate / 100) * years;
// Tax Deduction
var taxAmount = grossProfit * (taxPercent / 100);
// Net Profit
var netProfit = grossProfit – taxAmount;
// Monthly Profit (Net Profit / Total Months)
var totalMonths = years * 12;
var monthlyProfit = netProfit / totalMonths;
// Formatting Helper
var formatter = new Intl.NumberFormat('en-PK', {
style: 'decimal',
minimumFractionDigits: 0,
maximumFractionDigits: 2
});
// Update DOM
document.getElementById('resGrossProfit').innerHTML = 'PKR ' + formatter.format(grossProfit);
document.getElementById('resTax').innerHTML = 'PKR ' + formatter.format(taxAmount) + ' (' + taxPercent + '%)';
document.getElementById('resNetProfit').innerHTML = 'PKR ' + formatter.format(netProfit);
document.getElementById('resMonthly').innerHTML = 'PKR ' + formatter.format(monthlyProfit);
// Show Results
document.getElementById('awtResults').style.display = 'block';
}
Understanding AWT Profit Rates and Investment Returns
Investing in Army Welfare Trust (AWT) Investments is a popular choice for investors seeking stable returns in Pakistan. Whether you are looking at the AWT Income Fund, Islamic Income Fund, or Money Market Fund, understanding how your potential returns are calculated is crucial for financial planning. Our AWT Profit Rates Calculator helps you estimate your earnings based on the current annualized rates and your tax status.
How AWT Profit Rates Work
AWT Investments offers various mutual funds, each with a different risk profile and return rate. The profit rates are usually expressed as an Annualized Return. This means the percentage shown is what you would earn if you kept the money invested for a full year, assuming the rate remains constant.
The formula generally used for gross profit estimation is:
In Pakistan, returns on mutual funds are subject to Capital Gains Tax (CGT) or withholding tax on dividends. The rate of taxation depends heavily on your status with the Federal Board of Revenue (FBR):
Filers: Generally taxed at a lower rate (e.g., 15%). This incentivizes investors to file their income tax returns.
Non-Filers: Subject to significantly higher tax rates (e.g., 30%), which can drastically reduce the net profit.
Our calculator automatically deducts this tax to show you the Net Profit, which is the actual amount you take home.
Types of AWT Funds
AWT Income Fund: Aims to provide competitive returns by investing in debt securities and government bonds.
AWT Islamic Income Fund: Provides Shariah-compliant returns by investing in Halal avenues like Sukuks and Islamic bank deposits.
AWT Money Market Fund: Suitable for short-term investors looking for high liquidity and low risk.
Why Use This Calculator?
While fund managers provide historical performance data, manually calculating the impact of taxes and compounding over specific durations can be complex. This tool simplifies the process by taking your principal amount, the current advertised rate, and your tax status to provide a clear projection of:
Total Gross Profit before deductions.
Exact Tax Deduction amount based on Filer/Non-Filer status.
Net Profit available for withdrawal or reinvestment.
Estimated Monthly Income stream derived from the investment.
Disclaimer: Mutual fund investments are subject to market risks. The profit rates used in this calculator should be based on the latest Fund Manager Reports (FMR). Past performance is not necessarily indicative of future results.