SIP Calculator

Project your monthly mutual-fund or recurring savings into the future - maturity value, gains and a year-by-year growth chart in NPR.

Monthly investment Rs 5.0 thousand Annual step-up 0% Expected return (p.a.) 12% Time period 10 years

Invested

Rs 6,00,000

Wealth gained

Rs 5,61,695

Maturity value

Rs 11,61,695

Rs 5.0 thousand grows to Rs 11.62 lakh in 10 years at 12% p.a.

Year	Invested (cum.)	Value	Gain
1	60,000	64,047	4,047
2	1,20,000	1,36,216	16,216
3	1,80,000	2,17,538	37,538
4	2,40,000	3,09,174	69,174
5	3,00,000	4,12,432	1,12,432
6	3,60,000	5,28,785	1,68,785
7	4,20,000	6,59,895	2,39,895
8	4,80,000	8,07,633	3,27,633
9	5,40,000	9,74,108	4,34,108
10	6,00,000	11,61,695	5,61,695

What is a SIP?

A Systematic Investment Plan invests a fixed amount every month into a mutual fund, buying more units when prices dip and fewer when they rise - a discipline called rupee-cost averaging. For salaried Nepalis, a Rs 5,000 auto-debit timed with payday is far easier to sustain than waiting to accumulate a large sum, and ten years of steady contributions routinely surprise people with how much they build.

How the maths works

Each monthly instalment compounds independently until your end date, so the future value sums every contribution grown at the monthly rate: FV = P × [((1+i)ⁿ − 1) ÷ i] × (1+i), where i is the annual return divided by twelve and n is the number of months. The calculator simulates this month by month, which also lets it support annual step-ups - raising your SIP by, say, 10% each year as your salary grows.

The power of starting early

Compare two savers: Aasha invests Rs 5,000 monthly from age 25 to 35 then stops; Bikash starts the same at 35 and continues to 55. At 12% returns, Aasha's ten early years can end up worth more than Bikash's twenty later ones, because compounding rewards time in the market over timing. Run both scenarios here - the year-by-year chart makes the difference visceral.

Choosing a realistic return rate

Nepal's fixed deposits have recently paid 5-9%, while equity mutual funds - including the open-end funds listed on NEPSE - have historically averaged around 10-14% over long runs, with plenty of bumps along the way. Model conservatively: use 10% for planning and treat anything above as upside. The tool shows nominal values; subtract roughly 5-6% average inflation to eyeball real purchasing power.

SIP versus lumpsum versus recurring deposit

A lumpsum suits windfalls - bonus, land sale, retirement payout - because money starts compounding immediately. SIPs suit salaries because they automate discipline and smooth out volatility. Bank recurring deposits guarantee principal but at lower rates, and interest above Rs 25,000 a year faces TDS in Nepal. Many investors blend all three: RD for near-term goals, SIP for five-plus-year horizons, lumpsum whenever cash arrives.

Fees and taxes matter

Fund expense ratios (typically 1-2.25% in Nepal) are already reflected in reported fund returns, but entry/exit loads may not be - check your fund's prospectus. Gains from listed mutual fund units are taxed when you sell, so holding through the full horizon defers that cost. This calculator shows gross projections; treat them as planning estimates, not guarantees.

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Calculations

NPR

SIP ready

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Made for investing in Nepal

Who plans a monthly SIP without a paid app or advisor fee.

Salaried investors

Nepalis starting a monthly SIP in mutual funds see the future value and total invested vs returns.

First-time investors

Beginners check how small monthly amounts grow over 5, 10 or 20 years through compounding.

Parents saving

Families plan a child’s education or marriage fund with a disciplined monthly SIP.

NRNs

Non-resident Nepalis investing back home model long-term SIP goals in NPR.

Financial advisors

Advisors show clients the power of regular investing with clear projections.

Goal planning

Anyone saving for a home, vehicle or travel sets a target and back-calculates the SIP.

What is a SIP calculator, and how does this free Nepal tool work?

A SIP (Systematic Investment Plan) is a fixed monthly investment in mutual funds. A SIP calculator projects its future value through compounding. Scolar’s tool is free and browser-only: enter the monthly amount, expected return and years, and see the maturity value. No sign-up, no watermark, nothing uploaded.

Why it is free, with no sign-up and unlimited use

The projection runs on your device, so no financial data is uploaded and no account is needed. That keeps the tool 100% free, adds no watermark, asks for no email, and lets you compare unlimited scenarios.

How to calculate SIP, step by step

Enter the monthly SIP amount, expected annual return and tenure in years.
Optionally add a step-up to increase the SIP each year.
See the invested amount, estimated returns and maturity value instantly.

Investing in Nepal

Mutual fund SIPs are growing in Nepal as people build long-term wealth. The tool works offline after loading, so you can plan your goals on a phone even without steady internet.

“A Nepali starting to invest should not pay for an app just to see SIP growth. Enter amount and years — free.”

SIPs planned free in Nepal

I wanted to start a SIP but wasn’t sure how much to invest. This showed the future value in seconds — free, no app.

KT Kabita Thapa Salaried investor · KTM

I compared 10-year vs 20-year SIP and saw compounding clearly. Helped me commit to a monthly amount.

RK Rajan Karki New investor

I’m building a fund for my daughter’s study. The SIP calculator shows exactly what my monthly saving becomes.

SG Sarmila Gurung Parent

How it works

Choose Monthly SIP or Lumpsum and enter your amount.

Set an expected annual return and time period - add a step-up if your income will grow.

Read the maturity value, then study the chart and yearly table to see compounding accelerate.

Why use this tool?

Month-by-month simulation supports annual step-up contributions, not just flat SIPs.
Chart compares cumulative invested against projected value every year.
Estimates only - actual returns vary with market performance and fund fees.

Frequently asked questions

How is SIP return calculated?

Every monthly instalment compounds at the monthly rate until the end date. The calculator simulates each month, including any annual step-up you set.

What return rate should I assume?

Use 10% for conservative equity-fund planning; Nepali fixed deposits sit around 5-9%. Anything higher should be treated as optimistic upside.

What is a step-up SIP?

Your monthly contribution increases by a fixed percentage every year - typically matching salary growth - which can dramatically raise the final corpus.

Does the calculator include tax and fees?

No - results are gross projections before capital-gains tax and any loads. Fund expense ratios are generally already embedded in quoted returns.

Can I calculate a one-time investment instead?

Yes - switch to Lumpsum mode and enter the single amount; it compounds annually at your chosen rate.

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