Monthly Investment
Expected Return Rate
per annum
Time Period
Invested Amount
Rs. 6,00,000
Estimated Returns
Rs. 4,32,760
Total Value
Rs. 10,32,760
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About the SIP Calculator
A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month instead of one large lump sum. In Nepal, 14 open-ended mutual funds accept SIPs. They are run by bank-linked capital companies such as NIMB Ace Capital, Nabil Invest, Siddhartha Capital and NIC Asia Capital, and most start from about Rs 500 to Rs 1,000 a month.
This calculator shows what your monthly SIP could grow to with compounding, so you can plan goals like a house down payment, a child's education or retirement. It works for any fund: enter your monthly amount, the period and a return rate.
A SIP has no fixed interest rate. Returns follow the NEPSE share market and change every year, so treat the result as a scenario, not a promise. For planning, use about 8–10% a year and also check a lower rate.
What a monthly SIP grows to at 10% a year
| Monthly SIP | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| Rs 1,000 | Rs 0.78 lakh | Rs 2.07 lakh | Rs 4.18 lakh | Rs 7.66 lakh |
| Rs 2,000 | Rs 1.56 lakh | Rs 4.13 lakh | Rs 8.36 lakh | Rs 15.31 lakh |
| Rs 5,000 | Rs 3.90 lakh | Rs 10.33 lakh | Rs 20.90 lakh | Rs 38.28 lakh |
| Rs 10,000 | Rs 7.81 lakh | Rs 20.66 lakh | Rs 41.79 lakh | Rs 76.57 lakh |
Every Rs 1,000 a month means Rs 12,000 invested a year (Rs 2.4 lakh over 20 years). Assumes 10% a year compounded monthly, before tax, with no withdrawals.
Rs 5,000 a month for 10 years at different returns
| Yearly return | You invest | Value after 10 years | Gain |
|---|---|---|---|
| 6% | Rs 6 lakh | Rs 8.23 lakh | Rs 2.23 lakh |
| 8% | Rs 6 lakh | Rs 9.21 lakh | Rs 3.21 lakh |
| 10% | Rs 6 lakh | Rs 10.33 lakh | Rs 4.33 lakh |
| 12% | Rs 6 lakh | Rs 11.62 lakh | Rs 5.62 lakh |
Small differences add up: over 20 years, Rs 5,000 a month reaches Rs 38.28 lakh at 10% but Rs 29.65 lakh at 8%. A 2% gap is about the size of a fund's yearly fee.
How to use the SIP Calculator
- Enter how much you invest every month.
- Set expected annual return rate (historical fund returns are a guide, not a guarantee).
- Choose investment period in years.
- View invested amount, estimated gains, and maturity value.
Formula
Future Value uses monthly compounding on each SIP installment.
Tips
- Start early—compounding works best over longer horizons.
- Use conservative return assumptions for realistic planning.
- Run the numbers at a lower rate too (for example 6–8%), so a weak market year doesn't upset your plan.
- Choose the dividend reinvestment option with your fund, so payouts keep compounding like they do in this calculator.
Frequently asked questions
How much will Rs 5,000 per month in a SIP become?
At an assumed 10% annual return, Rs 5,000 a month grows to about Rs 10.33 lakh in 10 years (you invest Rs 6 lakh) and about Rs 38.28 lakh in 20 years (you invest Rs 12 lakh). Real returns vary with the market.
Can I use this for NIBL, Nabil, Siddhartha, NMB, Kumari or NIC Asia SIPs?
Yes. The maths is the same for every fund, so a separate bank calculator gives the same answer for the same inputs. What differs between funds is their actual returns, yearly fees and dividends. Enter your amount and period, try a few return rates, and compare the funds themselves in our guide to the best SIP in Nepal.
What is the minimum SIP amount in Nepal?
Usually Rs 500 to Rs 1,000 per month, depending on the fund. The exact minimum, installment dates and any exit charges depend on the scheme, so check the fund manager's website or offer document before you start.
What return should I assume for a SIP in Nepal?
Mutual fund returns in Nepal follow the NEPSE share market, which can rise or fall sharply in a single year. Returns are not guaranteed. For planning, use a conservative rate such as 8–10% and compare several scenarios. Don't base your plan on one fund's best year.
Does the result include dividends, fees and tax?
It assumes all returns, including dividends, are reinvested. It does not deduct tax: individuals pay 5% tax on cash dividends, and 5% capital gains tax on units held more than a year or 7.5% on units held a year or less when they redeem. If your rate is based on share market growth, subtract about 2% for the fund's yearly fee.
How does the SIP formula work?
Each monthly installment earns compound interest from the month it is invested. Future value = M × ((1 + r)^n − 1) ÷ r × (1 + r), where M is the monthly amount, r is the monthly return (annual rate ÷ 12 ÷ 100) and n is the number of months.