Inflation vs. Gold & Silver Calculator
Compare what your cash savings in Pakistani Rupees (PKR) would be worth today if they had been kept in physical 24K Gold or Silver versus idle cash in a bank account.
Simulate Past Savings
Example: Rs. 500,000 saved at that time
Today's Wealth Outcome
By saving in physical Gold instead of paper currency in 2015, your wealth beat Pakistan CPI inflation by nearly 6x.
Pakistan Gold, Silver & USD Rates History (2005–2026)
Historical average rates per Tola (11.664g) and official USD/PKR benchmark.
| Year | 24K Gold (Per Tola) | Pure Silver (Per Tola) | USD to PKR | CPI Multiplier |
|---|---|---|---|---|
| 2005 | Rs. 10,500 | Rs. 175 | Rs. 59.80 | 6.8x |
| 2008 | Rs. 22,400 | Rs. 340 | Rs. 70.40 | 5.4x |
| 2010 | Rs. 36,500 | Rs. 580 | Rs. 85.20 | 4.5x |
| 2012 | Rs. 58,000 | Rs. 980 | Rs. 93.40 | 3.8x |
| 2015 | Rs. 47,500 | Rs. 680 | Rs. 102.80 | 3.3x |
| 2017 | Rs. 53,500 | Rs. 750 | Rs. 105.50 | 3x |
| 2018 | Rs. 62,500 | Rs. 840 | Rs. 121.80 | 2.8x |
| 2019 | Rs. 88,000 | Rs. 1,080 | Rs. 150.00 | 2.5x |
| 2020 | Rs. 114,000 | Rs. 1,350 | Rs. 160.80 | 2.2x |
| 2021 | Rs. 126,000 | Rs. 1,470 | Rs. 163.00 | 1.95x |
| 2022 | Rs. 158,000 | Rs. 1,700 | Rs. 204.00 | 1.62x |
| 2023 | Rs. 220,000 | Rs. 2,600 | Rs. 281.50 | 1.25x |
| 2024 | Rs. 252,000 | Rs. 2,900 | Rs. 278.50 | 1.12x |
| 2025 | Rs. 268,000 | Rs. 3,150 | Rs. 278.40 | 1.05x |
| 2026 (Current) | Rs. 278,100 | Rs. 3,285 | Rs. 278.65 | 1x |
Frequently Asked Shariah & Financial Questions
Why does paper money (PKR) lose value compared to physical Gold? +
Fiat currency supply expands through government printing and monetary inflation, diluting its purchasing power. Physical gold cannot be printed; its global supply grows at less than 1.5% annually. Over decades in Pakistan, gold has consistently mirrored cumulative currency depreciation and CPI inflation.
Is physical Gold or Silver considered a Halal hedge against inflation? +
Yes. Gold (Dinar) and Silver (Dirham) are intrinsic Shariah money (Thaman Haqiqi). Holding physical bullion to preserve the purchasing power of your savings and protect family wealth from currency devaluation is 100% Halal, provided annual Zakat (2.5%) is discharged when wealth reaches Nisab.