SIP Calculator Nepal – Mutual Fund Return Calculator

SIP calculator use गर्ने Nepali investors बढ्दै छन् — and honestly, it makes sense. You put Rs 5,000 a month somewhere, you want to know what you’re getting back in 10 years. Not a rough guess. An actual number.

That’s what this page is for.

Before You Calculate, Understand What SIP Actually Does

Systematic investment plan Nepal investors talk about compounding all the time. But most people don’t really feel it until they see the breakdown table.

Here’s the thing — in the first 3-4 years of your SIP, most of what you see in your portfolio is just your own money. The returns are small. A lot of people quit here thinking it’s not working.

Stay past year 7-8 and suddenly the returns portion starts catching up to your invested amount. By year 15-20 the returns are bigger than what you put in yourself. That’s the compounding effect. That’s why mutual fund SIP Nepal advisors keep saying start early even with small amounts.

Rs 1,000 a month at 12% for 20 years — you invest Rs 2.4 lakh, you get back close to Rs 10 lakh. The extra Rs 7.6 lakh came from compounding. Not from you working harder.

The SIP Calculator Formula Nepal Calculators Use

FV = M × {[(1 + i)ⁿ − 1] ÷ i} × (1 + i)

M is your investment per period. i is the periodic rate — annual rate divided by number of periods in a year. n is total periods.

This is the same SIP formula Nepal platforms like MeroLagani use. So results here will match.

How to Use This SIP Return Calculator Nepal

Step 1 — SIP Interval Pick how often you invest. Monthly, Quarterly, Semi-Annual, or Annually. Most mutual fund SIP Nepal schemes are monthly so that’s what most people use. Change it if your fund runs differently.

Step 2 — Monthly Investment Type your amount or drag the slider. Goes from Rs 1,000 to Rs 1,00,000. Enter whatever you’re actually planning to invest each period — not what sounds impressive, what you’ll actually do consistently.

Step 3 — Expected Return (p.a.) Slider runs 1% to 30%. This is where people get optimistic and enter 18-20%. Be careful with that. Nepali equity mutual funds have averaged somewhere in the 10-14% range over longer periods, with some bad years mixed in. For serious financial planning, 10-12% is a safer input. Use higher numbers to see best-case scenarios, not to plan your retirement around.

Step 4 — Investment Period Set your time horizon in years. 1 to 30 years on the slider. The longer you go the more dramatic the numbers look — because compounding is exponential, not linear.

Step 5 — Click Calculate Returns Three numbers appear. Total Value is your final maturity amount. Total Invested is exactly what you put in over the years. Est. Returns is the difference — what the market added on top.

Below that, hit View Breakdown. Switch between By Period and By Year. The table shows Invested, Returns and Total for each interval. This is the most useful part of the whole SIP maturity calculator — you can see the exact year your returns overtake your principal. For most inputs that crossover hits somewhere between year 8 and year 12.

Real Numbers Example

Let’s say Rs 5,000 a month, 12% return, 15 years.

You’ve put in Rs 9 lakh from your own pocket. But the total sitting in your account? Around Rs 25 lakh. That extra Rs 16 lakh — you didn’t earn it from a salary, a side hustle, or working overtime. It just grew. Month after month, the returns on your returns kept stacking up quietly in the background.

Most people see this and think the calculator is wrong. It’s not. That’s just what 15 years of uninterrupted compounding looks like.

Now run the same with 20 years instead of 15 — the jump is massive because the compounding curve gets steeper. That’s what the breakdown table makes visible.

FAQs

What return rate should I put in? 10-12% for realistic planning. 14-15% if you’ve seen your fund’s historical performance and feel confident. Anything above that is optimism, not planning.

What if I miss a SIP payment? The fund doesn’t penalize you. Your bank might charge a small bounce fee if the auto-debit fails. But the real cost is just missing that month’s compounding — everything already invested keeps growing fine.

Does it adjust for inflation? No. The figure you see is the raw future value. Nepal’s inflation averages around 5-7% historically, so your real purchasing power gain is less than the number shown. Worth keeping in mind for long-term goals like retirement.

Can I start with just Rs 1,000? Yes. Most SEBON-registered funds allow Rs 1,000 as the minimum monthly SIP. Better to start at Rs 1,000 and actually do it than wait until you can invest more.

SIP vs FD — which is better? FD is safe and guaranteed. SIP carries market risk but has historically outperformed FD rates over 10+ year periods in Nepal. For short-term goals, FD. For long-term wealth building through mutual fund SIP Nepal, SIP makes more sense.

Run different numbers in the SIP calculator above. Change the period, shift the return rate, see what the breakdown table shows. The math is simple — time and consistency do the work.

Returns are estimated. Actual mutual fund returns vary. Consult a SEBON-registered advisor before investing.