Free SIP calculator for Nepal: enter how much you invest every month, the expected annual return and the period, and instantly see your maturity value, total invested amount and estimated returns — with a year-by-year growth table that shows compounding doing its work. An optional annual step-up lets you model increasing your SIP every year as your salary grows.
A SIP (Systematic Investment Plan) means investing a fixed amount every month instead of a lump sum. In Nepal you can run SIPs in mutual fund schemes (NIBL Sahabhagita, NIC Asia Dynamic Debt, Siddhartha Systematic Investment Scheme and others), and the same calculation applies to monthly deposits in a recurring savings account or retirement fund — anywhere a fixed monthly amount compounds.
How the calculation works
Each monthly deposit earns compound growth for the months it stays invested: V = Σ deposit × (1 + r/12)ᵐ. The calculator compounds monthly — the convention every SIP calculator uses — so रु ५,००० per month at 12% for 10 years grows to about रु ११.६ लाख from रु ६ लाख invested. The bar shows what share of your maturity value is your own money versus market returns; the longer you stay, the bigger the returns share grows.
How to use this SIP calculator
1. Enter the monthly amount you can invest, e.g. ५,०००.
2. Enter the expected annual return — Nepali equity mutual funds have historically been estimated around 8–15%; use a conservative number.
3. Enter the period in years. Longer periods benefit disproportionately from compounding.
4. Optionally add a yearly step-up (e.g. 10%) to grow your SIP with your income — it dramatically increases the final corpus.
Everything runs in your browser — nothing you enter is sent to or stored on any server.
Use it together with our other Nepali tools
Compare investing with borrowing costs using the EMI Calculator, calculate NEPSE share trading fees with the Share Calculator, and find out how much salary is left to invest with the Salary Tax Calculator.
Frequently Asked Questions (FAQ)
Is SIP available in Nepal?
Yes. Several Nepali mutual funds offer SIP plans (often from रु ५०० –१,००० per month) that you can start through their fund manager or online portals, and NEPSE-listed open-end funds accept systematic monthly investments.
What return rate should I assume?
Nobody can guarantee returns. Bank fixed deposits in Nepal have recently yielded around 6–8%, while equity mutual funds target higher but fluctuate. Calculating with 8–12% gives a realistic range — try both and plan with the lower number.
What is a step-up SIP?
Increasing your monthly SIP by a fixed percentage every year — usually matching salary growth. A 10% annual step-up can increase a 20-year corpus by more than half compared to a flat SIP.
Is SIP better than a lump-sum investment?
SIP spreads your buying across market ups and downs (rupee-cost averaging) and matches how salaried people actually save. A lump sum invested early can earn more in a steadily rising market, but SIP carries far less timing risk.
Are mutual fund returns taxed in Nepal?
Dividend and capital gains on mutual funds have favourable tax treatment for individuals; rates change with budgets, so check the current Finance Act or ask the fund manager.