SIP Calculator Nepal
Estimate how your regular monthly investment could grow — monthly SIP, annual SIP, step-up SIP, and SIP vs fixed deposit.
Market-linked estimates commonly range 8–15%. Not guaranteed.
Result updates automatically as you type
Your SIP projection
Estimated Final Value
—
SIP vs Fixed Deposit
| SIP | FD |
|---|
SIP returns shown are market-linked estimates — they are not guaranteed and can be higher or lower. FD returns depend on your bank's applicable interest rate, tenor and terms.
Investment vs Estimated Growth
Year-by-Year Growth — view yearly breakdown
| Year | Annual Investment | Total Invested | Estimated Value | Estimated Returns |
|---|
What is SIP?
SIP stands for Systematic Investment Plan — a way of investing a fixed amount at regular intervals (typically monthly) into mutual funds or similar market-linked instruments, rather than depositing a lump sum once. For many Nepalese investors, it's the most practical entry point into investing: you commit only what you can spare each month, and the habit matters more than the amount.
How does a SIP work?
Say you start a SIP of Rs. 5,000 per month. Every month, that amount automatically buys units of your chosen fund — more units when prices are low, fewer when prices are high. Over time this "rupee-cost averaging" smooths out market ups and downs. After 10 years at an assumed 12% average annual return, your Rs. 6 lakh of contributions could grow to roughly Rs. 11.5 lakh — nearly half of that being growth, not your own money.
How are SIP returns calculated?
Calculators use the future value of an annuity formula: FV = P × [((1 + r)ⁿ − 1) ÷ r], where P is your monthly installment, r is the monthly return (annual rate ÷ 12), and n is the number of months. This tool assumes contributions happen at the end of each month and applies the formula consistently across all modes — no approximations.
SIP vs Fixed Deposit
A fixed deposit gives you a contract: the bank pays a stated interest rate for a fixed term, so your outcome is known in advance — but capped. A SIP's outcome depends on markets: potentially higher over long horizons, but uncertain year to year. They aren't really competitors — many investors use FDs for short-term goals and emergency savings, and SIPs for long-term wealth building. The SIP vs FD tab above compares both using the same total money so you can see the trade-off yourself.
What is a Step-up SIP?
A step-up (or top-up) SIP increases your contribution by a set percentage every year — matching salary growth. Starting at Rs. 5,000/month with a 10% annual step-up means Rs. 5,500/month in year 2, Rs. 6,050 in year 3, and about Rs. 18,500 by year 15. Because larger contributions get more years to compound, the effect on the final corpus is dramatic — try it in the Step-up SIP tab.
Frequently Asked Questions
What is SIP?
A Systematic Investment Plan (SIP) means investing a fixed amount at regular intervals — usually every month — into a mutual fund or similar investment, instead of investing a large sum at once. It builds discipline and averages out your purchase cost over time.
How much should I invest in SIP every month?
A common guideline is to invest 10–20% of your monthly income after essential expenses and emergency savings. Even Rs. 1,000–2,000 per month can grow significantly over 10–15 years thanks to compounding. Use the calculator above to see what fits your goals.
Is SIP better than FD?
They serve different purposes. FDs offer fixed, predictable interest with low risk; SIPs are market-linked, so returns fluctuate and are not guaranteed. Historically equity investments have outperformed FDs over long periods, but past performance never guarantees future results. Compare both using the SIP vs FD tab.
Are SIP returns guaranteed?
No. This calculator provides an estimate based on the return rate you enter. Actual investment returns are not guaranteed and may be higher or lower. SIP investments are market-linked and returns can fluctuate.
How is SIP return calculated?
This calculator uses the standard future-value-of-annuity formula: FV = P × [((1 + r)ⁿ − 1) ÷ r], where P is your monthly installment, r is the monthly rate (annual return ÷ 12) and n is the number of months. Contributions are assumed to be made at the end of each month.
What is a step-up SIP?
A step-up SIP increases your installment by a fixed percentage every year — for example starting at Rs. 5,000/month and stepping up 10% annually means Rs. 5,500 in year two, Rs. 6,050 in year three, and so on. Because your contributions grow with your income, the final corpus grows substantially faster.
Can I calculate SIP returns for 10 years?
Yes — enter any period from 1 to 60 years. The default example (Rs. 5,000/month for 10 years at 12%) grows to about Rs. 11.5 lakh, of which Rs. 5.5 lakh is estimated growth.
What happens if I increase my SIP every year?
Each increase adds more money earlier in the timeline where compounding works longest. Try the Step-up SIP tab: a Rs. 5,000 SIP stepped up 10% yearly for 15 years invests about Rs. 19 lakh instead of Rs. 9 lakh — and the final value grows far more than proportionally.
Can I share my SIP projection with someone?
Yes — every input, including the active tab, is mirrored in the page address. Use the "Copy result link" button and send it on Viber, Messenger or Facebook; whoever opens it sees the same tab, inputs and projection. Nothing is uploaded or stored anywhere.
Related finance tools
- • EMI Calculator — plan loan repayments before committing to monthly investments
- • Salary Calculator — find out how much of your take-home pay you can invest
- • Remittance Calculator — check what your foreign income is worth in NPR
- • All finance tools — tax, rent, overtime and more