SIP Investment Calculator
Note: Historical mutual fund returns in Nepal average 12% - 18%.
Result Summary
Overseas Investors: If remitting funds for SIPs, verify Exchange Rate Nepal to optimize your cost basis.
This compounding calculator projects returns for open-ended mutual funds managed by NIMB Ace Capital, Nabil Invest, Nepal Bank Limited, and others in Nepal.
Corpus Architecture Breakdown
Compounding Trajectory
Visualizing the transition from investment-heavy to gains-heavy growth over the first 12 months.
Investment Growth Trajectory
Full Amortization Table
| Period | Monthly SIP | Total Invested | Total Gains | Balance |
|---|---|---|---|---|
| Year 1 | Rs. 5,000 | Rs. 60,000 | Rs. 4,047 | Rs. 64,047 |
| Year 2 | Rs. 5,500 | Rs. 1,26,000 | Rs. 16,621 | Rs. 1,42,621 |
| Year 3 | Rs. 6,050 | Rs. 1,98,600 | Rs. 39,605 | Rs. 2,38,205 |
| Year 4 | Rs. 6,655 | Rs. 2,78,460 | Rs. 75,201 | Rs. 3,53,661 |
| Year 5 | Rs. 7,321 | Rs. 3,66,306 | Rs. 1,25,979 | Rs. 4,92,285 |
| Year 6 | Rs. 8,053 | Rs. 4,62,937 | Rs. 1,94,930 | Rs. 6,57,867 |
| Year 7 | Rs. 8,858 | Rs. 5,69,230 | Rs. 2,85,533 | Rs. 8,54,764 |
| Year 8 | Rs. 9,744 | Rs. 6,86,153 | Rs. 4,01,824 | Rs. 10,87,978 |
| Year 9 | Rs. 10,718 | Rs. 8,14,769 | Rs. 5,48,482 | Rs. 13,63,250 |
| Year 10 | Rs. 11,790 | Rs. 9,56,245 | Rs. 7,30,918 | Rs. 16,87,163 |
How to use
- 1. Monthly Investment: Input your monthly investment amount in NPR. Most mutual funds in Nepal allow starting with as little as Rs. 1,000.
- 2. Expected Return: Enter the annual return percentage you expect. For mutual funds in Nepal, this is often between 12% and 15%.
- 3. Time Period: Set how many years you plan to stay invested. Compounding works best over longer periods, usually 10 years or more.
- 4. Annual Increase (Step-Up): Decide if you want to increase your monthly investment by a certain percentage every year as your income rises.
- 5. Inflation Adjustment: Turn this on to see the real purchasing power of your future wealth in today's terms.
- 6. Results Summary: Review the 'Wealth Gained' section to see exactly how much profit your investment has earned.
- 7. Tax View: Factor in the 5% withholding tax on dividends and capital gains to see your net maturity amount.
- 8. Taking Action: Once you have a plan, you can start your SIP through MeroShare or your chosen capital market institution.
How SIP Returns are Calculated
Our calculator uses the standard formula for the future value of a monthly investment (annuity) to project your wealth.
FV = Future Value: The total amount you will have at the end of the period.
P = Monthly Investment: The amount you save every month.
r = Monthly Interest Rate: Annual Expected Return ÷ 12 ÷ 100.
n = Total Number of Months: Number of years × 12.
Example Calculation:
Monthly SIP: Rs. 10,000 | Expected Return: 12% | Tenure: 10 Years
r = 12 / 12 / 100 = 0.01
n = 10 * 12 = 120 months
Estimated Result: ~ Rs. 23,23,000
Investment Planning & Strategy
SIP Calculator Nepal: Master Your Wealth Creation Strategy
A Systematic Investment Plan (SIP) in Nepal is your gateway to disciplined wealth creation through mutual funds. By investing a fixed amount regularly into SEBON-regulated open-ended schemes, you harness the power of compounding and rupee cost averaging. Use our advanced SIP calculator to project your maturity value, analyze step-up growth, and understand the impact of the latest Finance Act 2083 tax updates on your investments.
Understanding SIP in Nepal (Updated 2083)
A Systematic Investment Plan (SIP) is not an investment product in itself; rather, it is a disciplined method of investing in open-ended mutual fund schemes. In Nepal, these schemes are closely regulated by the Securities Board of Nepal (SEBON). Whether you start with as little as Rs. 500 or Rs. 1,000 per month, SIP allows retail investors to participate in the capital market without the stress of timing the market perfectly.
As of August 2026, there are 14 active open-ended mutual fund schemes in Nepal that accept SIP contributions. These funds are managed by professional merchant banking institutions (such as Nabil Invest, NIC Asia Capital, NIMB Ace Capital, etc.) and pool money from investors to invest in a diversified portfolio of stocks, bonds, and fixed deposits.
The Power of Rupee Cost Averaging and Step-Up SIPs
One of the biggest advantages of investing via SIP in Nepal is Rupee Cost Averaging (RCA). Because you invest a fixed amount every month, you automatically buy more mutual fund units when the Net Asset Value (NAV) drops, and fewer units when the market peaks. This mathematical phenomenon averages out your purchase price over time, significantly reducing the volatility associated with the Nepal Stock Exchange (NEPSE).
Our calculator goes a step further by featuring an Annual Step-Up (Top-Up) option. As your income or salary increases each year, you can choose to increase your monthly SIP contribution by a set percentage (e.g., 10%). A step-up SIP aggressively accelerates your wealth accumulation, helping you reach your financial goals—like buying a house or funding retirement—years ahead of schedule.
Taxation & SEBON Regulations (Finance Act 2083)
Understanding the tax implications of your investments is critical. According to the Finance Act 2083 (FY 2083/84), mutual fund investors in Nepal benefit from highly favorable tax rates compared to direct stock market trading:
- Dividend Tax: A 5% withholding tax is applied at the source on any cash dividends distributed by the mutual fund.
- Long-Term Capital Gains Tax (CGT): If you hold your mutual fund units for more than one year, the profit (gains) upon selling is taxed at 5%.
- Short-Term Capital Gains Tax (CGT): For units held for less than a year, the tax rate is 7.5%.
Crucially, the Finance Act 2083 categorizes this capital gains tax on mutual funds as a final tax for individual investors. This means the amount deducted by your fund manager at the time of redemption is your final liability—no complex annual income tax reconciliation is required for these gains (unless your total share gains cross the NPR 40 lakh threshold).
Additionally, SEBON's "Capital Market Policy Blueprint 2083" has introduced investor-friendly reforms, including the planned removal of lock-in periods for mutual fund units, making your SIP investments more liquid and accessible than ever before.