Choose a risk profile, set your monthly contribution, expected return and time horizon, and the tool projects the maturity value, total wealth gain and a year-by-year growth curve — handy for stress-testing a long-term SIP before you commit with a fund house.

SIP details

Rs.
Rs. 1,000Rs. 1,00,000
%
1%30%
yrs
1 year30 years
Pick a profile and move the sliders to see your projected maturity.
Projected maturity value
estimate · compounded monthly
Wealth gain
Invested Returns
Invested
Est. returns
Total value
I : R ratio

Year-by-year SIP growth

Compounding is driven more by how long you stay invested than by the size of each contribution — the further out your horizon, the larger the slice of the final pot that comes from returns rather than your own deposits. The schedule below tracks both figures, year on year, for the inputs above.

YearInvested so farReturnsTotal valueGain %

How this calculator works

This tool estimates the maturity value of a monthly Systematic Investment Plan (SIP) placed into a SEBON-regulated Nepali mutual fund. Feed in your monthly contribution, an expected annual return and a time horizon — the engine compounds the balance month by month and reports the total value, the wealth gained and a complete year-by-year schedule.

Return bands tuned to Nepal's SEBON-regulated mutual funds
Four one-tap presets: Conservative, Balanced, Growth and Aggressive
Year-wise table with running invested and return totals
Live sliders — every figure refreshes the moment you drag

Typical return bands by fund type

Conservative (debt / bond funds): 8% – 10% p.a.
Balanced funds: 10% – 14% p.a.
Growth / equity funds: 14% – 18% p.a.
Aggressive / NEPSE-linked: 15% – 22% p.a. (volatile)

These figures are historical averages, not forecasts. Real returns follow NAV and NEPSE movements and can swing sharply in either direction. Always read the fund's Key Information Memorandum, and remember that SEBON registration regulates conduct — it does not guarantee returns.

Frequently asked questions

A SIP lets you drip a fixed amount — usually monthly — into a SEBON-regulated mutual fund instead of placing a single lump sum. Spreading your entries across rising and falling markets evens out your average buy price (rupee cost averaging). Schemes from Nabil Mutual Fund, NIC Asia Growth Fund, Global IME Samunnat and Sunrise First all accept SIPs.

Nepal's funds have historically returned roughly 8–18% a year depending on the risk profile — about 8–10% for debt-heavy funds, 10–14% for balanced ones, and 14–18% for equity growth funds during strong NEPSE years. A middle estimate of 12% is a sensible default for a 10-year SIP in a diversified fund. Treat these as projections, not guarantees.

It applies the standard SIP formula M = P × ((1 + r)ⁿ − 1) ÷ r × (1 + r), where M is the maturity value, P the monthly contribution, r the monthly rate (annual ÷ 12 ÷ 100) and n the total number of months. Because it assumes a flat compounding rate, real month-to-month NAV movement will differ.

Most Nepali fund houses start from around Rs 500 to Rs 1,000 a month, with each AMC fixing its own floor. There is no upper regulatory cap, though larger sums can trigger extra KYC under Nepal's AML rules. Check the fund's Key Information Memorandum for the precise minimum.

Yes. Under the Income Tax Act 2058, capital gains on units sold after a year attract 5% tax, while gains on units sold within a year attract 10%. Dividend payouts are taxed at 5%. Speak with a tax adviser to model your own holding pattern.

Substantially. Because returns themselves earn returns, the back half of a long SIP usually contributes far more growth than the early years. Stretching a 10-year plan to 20 years often more than doubles the projected pot for the same monthly amount — visible in the year-by-year table above.

No. The whole calculation runs in JavaScript inside your browser. Nothing is uploaded, logged or stored, and the numbers vanish the moment you close the tab.
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