Find ROR / IRR of your investment having 30 years of useful life Description of problem As a student of BS civil engineering, you had invested some amount in terms of fees, hostel (if any), stationery and books, Transportation, Miscellaneous expenditures during the four years of your education. In order to easily find the amount of expenditure in terms of the time value of money move all the expenditure to year 4 (Passout year), considering the interest rate of 11.58% per annum. After passing out you are expecting a salary range from 60,000 to 80,000 PKR the average increase in salary for the first 5 years is expected to be 20% and after it will be 13.5%. NOTE: Earning is Gross, not net, Interest Rate is fixed (4+30) Years. Any data can be assumed with justification.