# stox

> Pakistan's money school: free lessons, honest calculators and dated, sourced rates for Pakistan, in plain English. Education, not advice.

stox explains money in Pakistani rupees: inflation, real returns, and what savings, gold, the PSX, US dollars and property actually did since 2010. Every number carries its source and date. stox never gives stock tips or buy/sell recommendations. Figures are a dated snapshot (compiled 29 Sep 2026) until licensed live feeds are in place.

## Tools

- [Rupee Time Machine](https://stox.pk/tools/time-machine/): What 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 calculator](https://stox.pk/tools/inflation/): What rupees from any year since 2010 are worth today, from the PBS consumer price index.
- [Real return calculator](https://stox.pk/tools/real-return/): What a savings rate really earns after inflation and tax, and what your money is worth in today’s rupees.
- [Goal planner](https://stox.pk/tools/goal/): Hajj, a wedding, school fees, a plot: what it will cost by then, and what to set aside each month.
- Rupee Time Machine results have their own pages: https://stox.pk/tools/time-machine/{year}/{amount}/ for years 2010 to 2025 and amounts 10000, 100000 and 1000000.
- Inflation results have their own pages: https://stox.pk/tools/inflation/{year}/ for years 2010 to 2025.

## Lessons

- [Inflation, the invisible tax](https://stox.pk/learn/inflation/): Why money that sits still shrinks, how much Pakistani prices have risen since 2010, and how to judge any return against inflation.

## Reference

- [Today's rates](https://stox.pk/rates/): dollar, gold per tola, KSE-100, policy rate, inflation and National Savings rates, each with source and date.
- [Data and methods](https://stox.pk/data/): year-end series since 2010, how each is built, sources and caveats.
- [About](https://stox.pk/about/): what stox is and what it promises.

## Key facts

- Prices in Pakistan rose ×4.20 from December 2010 to Aug 2026: Rs 1,000 held as cash since then buys what Rs 238 bought in 2010 (PBS consumer price index via IMF).
- Average inflation in Pakistan from 2010 to 2025 was 9.5% a year; the calendar-year average peaked at 30.8% in 2023 (PBS).
- Rs 1 lakh from the end of 2015 became, by 29 Sep 2026: gold Rs 10.5 lakh, PSX (KSE-100 with dividends) Rs 5.2 lakh, savings at the policy rate Rs 3.1 lakh before tax, US dollars Rs 2.6 lakh; prices rose ×3.02.
- From the end of 2010 the PSX grew ×14.1 and gold ×9.65; from the end of 2015 gold grew ×10.5 and the PSX ×5.17. Which asset wins depends on the start year.
- The KSE-100 is a total-return index: PSX adds cash dividends back in, before withholding tax.
- On 14 Sep 2026 the SBP policy rate was 11.5% and inflation 11.1% (Aug 2026), so savings at the policy rate earned about +0.4% a year after inflation, before tax.
- Rates snapshot: US dollar Rs 277.12 interbank (SBP, 29 Sep 2026); gold 24k Rs 438,136 per tola (sarafa association, 28 Sep 2026); KSE-100 169,600.40 (PSX, 29 Sep 2026).

## Optional

- [Full text for LLMs](https://stox.pk/llms-full.txt): every Rupee Time Machine and inflation result, methods and facts in one file.
- [Sitemap](https://stox.pk/sitemap-index.xml)