SIP calculator, in NPR.
What a monthly investment grows into at a steady return — with the annual step-up option that matches how salaries actually rise. Results in lakh and crore, every scenario a shareable link.
Rs 10,000 a month for 20 years at 10% becomes Rs 76.6 lakh. Your contributions are Rs 24.0 lakh; the other Rs 52.6 lakh is compounding doing the work.
| Year | You invested | Total value |
|---|---|---|
| 1 | Rs 1.2 lakh | Rs 6,703 |
| 2 | Rs 2.4 lakh | Rs 26,673 |
| 3 | Rs 3.6 lakh | Rs 61,300 |
| 4 | Rs 4.8 lakh | Rs 1.1 lakh |
| 5 | Rs 6.0 lakh | Rs 1.8 lakh |
| 6 | Rs 7.2 lakh | Rs 2.7 lakh |
| 7 | Rs 8.4 lakh | Rs 3.8 lakh |
| 8 | Rs 9.6 lakh | Rs 5.1 lakh |
| 9 | Rs 10.8 lakh | Rs 6.8 lakh |
| 10 | Rs 12.0 lakh | Rs 8.7 lakh |
| 11 | Rs 13.2 lakh | Rs 10.9 lakh |
| 12 | Rs 14.4 lakh | Rs 13.5 lakh |
| 13 | Rs 15.6 lakh | Rs 16.5 lakh |
| 14 | Rs 16.8 lakh | Rs 19.9 lakh |
| 15 | Rs 18.0 lakh | Rs 23.8 lakh |
| 16 | Rs 19.2 lakh | Rs 28.2 lakh |
| 17 | Rs 20.4 lakh | Rs 33.3 lakh |
| 18 | Rs 21.6 lakh | Rs 39.0 lakh |
| 19 | Rs 22.8 lakh | Rs 45.4 lakh |
| 20 | Rs 24.0 lakh | Rs 52.6 lakh |
Year-by-year table
| Year | Invested so far | Value | Gain |
|---|---|---|---|
| 1 | Rs 1,20,000 | Rs 1,26,703 | Rs 6,703 |
| 2 | Rs 2,40,000 | Rs 2,66,673 | Rs 26,673 |
| 3 | Rs 3,60,000 | Rs 4,21,300 | Rs 61,300 |
| 4 | Rs 4,80,000 | Rs 5,92,118 | Rs 1,12,118 |
| 5 | Rs 6,00,000 | Rs 7,80,824 | Rs 1,80,824 |
| 6 | Rs 7,20,000 | Rs 9,89,289 | Rs 2,69,289 |
| 7 | Rs 8,40,000 | Rs 12,19,583 | Rs 3,79,583 |
| 8 | Rs 9,60,000 | Rs 14,73,993 | Rs 5,13,993 |
| 9 | Rs 10,80,000 | Rs 17,55,042 | Rs 6,75,042 |
| 10 | Rs 12,00,000 | Rs 20,65,520 | Rs 8,65,520 |
| 11 | Rs 13,20,000 | Rs 24,08,510 | Rs 10,88,510 |
| 12 | Rs 14,40,000 | Rs 27,87,415 | Rs 13,47,415 |
| 13 | Rs 15,60,000 | Rs 32,05,997 | Rs 16,45,997 |
| 14 | Rs 16,80,000 | Rs 36,68,409 | Rs 19,88,409 |
| 15 | Rs 18,00,000 | Rs 41,79,243 | Rs 23,79,243 |
| 16 | Rs 19,20,000 | Rs 47,43,567 | Rs 28,23,567 |
| 17 | Rs 20,40,000 | Rs 53,66,983 | Rs 33,26,983 |
| 18 | Rs 21,60,000 | Rs 60,55,679 | Rs 38,95,679 |
| 19 | Rs 22,80,000 | Rs 68,16,491 | Rs 45,36,491 |
| 20 | Rs 24,00,000 | Rs 76,56,969 | Rs 52,56,969 |
Estimate with a constant return and monthly compounding, contributions at the start of each month. Mutual fund returns are not fixed or guaranteed; use a rate you can defend, and remember exit loads and taxes sit outside this math.
How the math works
Each month's contribution starts compounding the month it lands. The future value of a SIP of M per month at monthly rate r for n months is FV = M × ((1+r)^n − 1) / r × (1+r). Two things fall out of that formula worth feeling in your hands on the sliders: time beats amount (the last five years of a twenty-year SIP often create more value than the first ten), and the split between "you invested" and "compounding added" flips somewhere past the ten-year mark at typical rates — the chart shows the crossover.
What the calculator deliberately leaves out
Real funds charge fees inside the NAV, dividends may be taxed, and exit loads can apply to early redemptions — and no fund returns the same percentage every year. None of that is in this math, which is exactly why the output should anchor a plan, not a promise. For the researched Nepali numbers — which funds run SIPs, what they have returned, how they are taxed — use the guides below.
Frequently asked
- How is SIP return calculated?
- The calculator compounds monthly: each contribution is added at the start of the month and the whole balance grows at the annual rate divided by 12. That is the standard annuity-due future-value formula, FV = M × ((1+r)^n − 1)/r × (1+r), the same convention fund houses use. Returns are assumed constant, which real funds never are — treat the output as a planning estimate, not a promise.
- What return should I assume for a SIP in Nepal?
- There is no single honest number: Nepali mutual funds are young, NEPSE is volatile, and past NAV growth does not bind the future. The sane approach is to run the calculator at a conservative and an optimistic rate and plan around the conservative one. The linked guides on starting a SIP and on FD vs mutual fund vs CIT walk through what Nepali funds have actually delivered and how to read a fund's factsheet.
- What is an annual step-up SIP?
- A step-up (or top-up) SIP raises the monthly amount by a fixed percentage every year, usually matched to your salary increment. The effect compounds hard: stepping up 10% a year roughly doubles what a flat 20-year SIP accumulates at the same return, because the biggest contributions land in the years when the base is already large. Set the step-up slider to your realistic yearly raise and compare.
- Is SIP better than a fixed deposit in Nepal?
- They solve different problems. An FD gives a contracted, insured-up-to-a-limit return; a SIP into an equity fund gives a market return that can beat inflation over long periods but can also be negative for stretches. The usual Nepali pattern is both: FD or savings for the emergency fund and near goals, SIP for goals five-plus years out. The FD vs mutual fund vs CIT guide runs the actual comparison.
- Can I run a SIP for my child's education with this?
- Yes — set the years to the time until college and the monthly amount to what survives your budget, then check the corpus against a realistic fee target. The child-education guide linked below builds that target from actual Nepali school and college costs and shows the equity-early, safe-late glide path most parents end up wanting.
The numbers behind the sliders
A calculator gives you the shape of the decision; these guides give you the current Nepali numbers to feed it.
- How to start a SIP in a Nepali mutual fundThe accounts you need, the funds that offer SIPs, and the first-month walkthrough.
- SIP vs lump sum in NepalWhen averaging in beats investing it all at once, and when it doesn't.
- FD vs mutual fund vs CITThe three default Nepali savings vehicles, compared on return, risk, tax, and lock-in.
- Saving for your child's education: the 18-year planThe SIP math to reach Rs 25 lakh to Rs 1 crore before college bills arrive.
Import your bank statements, watch the actual monthly surplus, and check it against the number you just slid to. Free, built for Nepali banks and wallets.
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