SIP Calculator — Future Value & Returns
Estimate SIP maturity value, total investment, and wealth gained — standard future-value math with step-by-step breakdown.
Future value
Rs. 25.23 L
After 15 years
Total invested
Rs. 9.00 L
Wealth gained
Rs. 16.23 L
180% return on cost
Extra vs FD
Rs. 9.29 L
Adjust the scenario
Rs.
15 yr
%
0%
Increase your SIP by this % every year as your salary grows.
Decision insights
vs. Bank FD @ 7%
Same SIP in an FD would grow to Rs. 15.94 L — your fund beats FD by Rs. 9.29 L over 15 years.
SIP vs Bank FD over time
Year-by-year growth
| Year | Monthly SIP | Invested so far | Fund value | Wealth gain |
|---|---|---|---|---|
| 1 | Rs. 5,000 | Rs. 60.0k | Rs. 64.0k | Rs. 4.0k |
| 2 | Rs. 5,000 | Rs. 1.20 L | Rs. 1.36 L | Rs. 16.2k |
| 3 | Rs. 5,000 | Rs. 1.80 L | Rs. 2.18 L | Rs. 37.5k |
| 4 | Rs. 5,000 | Rs. 2.40 L | Rs. 3.09 L | Rs. 69.2k |
| 5 | Rs. 5,000 | Rs. 3.00 L | Rs. 4.12 L | Rs. 1.12 L |
| 6 | Rs. 5,000 | Rs. 3.60 L | Rs. 5.29 L | Rs. 1.69 L |
| 7 | Rs. 5,000 | Rs. 4.20 L | Rs. 6.60 L | Rs. 2.40 L |
| 8 | Rs. 5,000 | Rs. 4.80 L | Rs. 8.08 L | Rs. 3.28 L |
| 9 | Rs. 5,000 | Rs. 5.40 L | Rs. 9.74 L | Rs. 4.34 L |
| 10 | Rs. 5,000 | Rs. 6.00 L | Rs. 11.62 L | Rs. 5.62 L |
| 15 | Rs. 5,000 | Rs. 9.00 L | Rs. 25.23 L | Rs. 16.23 L |
Showing first 10 years + final year.
Default returns are 10-year historical averages of listed Nepali mutual funds (NIBL Samriddhi, NIC Asia Growth, Sanima Equity, etc). Actual returns vary; mutual fund investment is subject to market risk.
About this calculator
Formula: FV = Σ Pₜ × (1 + r/12)^(n − t)
See where your monthly SIP can grow in Nepali mutual funds — compared head-to-head with a bank FD, with step-up support so your SIP grows with your salary.
How to Use
Pick a fund preset or enter custom return %, set your monthly SIP, tenure, and optional step-up. The chart shows fund vs FD growth.
FV = Σ Pₜ × (1 + r/12)^(n − t)
What is the SIP Planner (Nepal Mutual Funds) — Step-Up & FD Compare?
See where your monthly SIP can grow in Nepali mutual funds — compared head-to-head with a bank FD, with step-up support so your SIP grows with your salary.
Plan systematic investment in Nepali mutual funds (NIBL, Sanima, NIC Asia, Citizens) with step-up SIP and bank FD comparison — not just future-value math.
It belongs to our nepal money suite and is built to give you accurate answers along with the working steps, so you understand the method as well as the result.
How this calculator works
Internally, the SIP Planner (Nepal Mutual Funds) — Step-Up & FD Compare applies the formula FV = Σ Pₜ × (1 + r/12)^(n − t). Pick a fund preset or enter custom return %, set your monthly SIP, tenure, and optional step-up. The chart shows fund vs FD growth.
The result and every step update instantly as you change the inputs, so you can compare scenarios without re-entering everything.
When to use it & tips
Use the SIP Planner (Nepal Mutual Funds) — Step-Up & FD Compare whenever you need a fast, reliable nepal money answer with the steps shown. It works on phone, tablet, and desktop — no sign-up, no install.
Tip: Over 10 years, balanced funds like NIBL Samriddhi-1 and Citizens Mutual Fund-1 have delivered roughly 11–13% CAGR including dividends and NAV growth. Equity-tilted funds (Sanima Equity, NIC Asia Growth) have crossed 14% in bull cycles.
FAQs
Related Calculators
Loan EMI Calculator (Nepal) — with Affordability Verdict
Calculate EMI for home, vehicle, personal, education and business loans in Nepal — with a verdict on whether you can actually afford it.
NEPSE Investment Return Calculator
Calculate real NEPSE share trading profit after broker commission, SEBON fee, DP charge and capital gains tax.