SIP & investment calculator
See how a monthly SIP or a one-time lumpsum could grow over time — with the maturity value, the amount you actually invested and the estimated gains, side by side.
Set your amount, an expected annual return and the number of years. Everything is computed in your browser, and the projection is illustrative — market returns are never guaranteed.
Your plan
Invest a fixed amount every month and compound it monthly.
Amount you invest at the start of every month.
A long-run assumption — equity funds in the region have historically averaged ~10–14%, but returns are never guaranteed.
How long the money stays invested.
Maturity value
Rs 23,23,391
After 10 years at 12% expected return
Estimated gains
Rs 11,23,391
Total invested
Rs 12,00,000
Estimated gains
Rs 11,23,391
Gain on capital
94%
| Future value formula | FV = M · (((1+i)^n − 1) / i) · (1+i) |
| Monthly rate (i) | 12% ÷ 12 = 1.000% |
| Months (n) | 10 × 12 = 120 |
| Total invested | Rs 12,00,000 |
| Maturity value | Rs 23,23,391 |
An illustrative projection only. It assumes a constant rate of return and reinvested gains, and ignores fund charges, taxes and inflation. Market returns vary year to year and are not guaranteed — your actual maturity value can be higher or lower.
From monthly habit to a maturity value
Compounding turns a steady contribution into a much larger sum because each year's gains go on to earn their own returns. The longer the period and the higher the rate, the steeper the curve.
Set your inputs
Choose SIP or lumpsum, enter the amount, an expected annual return and how many years you stay invested.
Compound
A SIP compounds monthly using FV = M · (((1+i)^n − 1) / i) · (1+i); a lumpsum compounds annually as FV = P · (1 + r)^t.
Read the split
The result shows maturity value, total invested and estimated gains — so you can see how much growth came from returns versus your own money.
SIP investing, answered
What is a SIP and how does this calculator work?+
A Systematic Investment Plan (SIP) means investing a fixed amount every month into a mutual fund or scheme. The calculator compounds each monthly contribution using the future-value-of-an-annuity formula FV = M · (((1+i)^n − 1) / i) · (1+i), where M is the monthly amount, i is the monthly rate (annual return ÷ 12 ÷ 100) and n is the number of months (years × 12). Contributions are assumed to be made at the start of each month.
What is the difference between SIP and lumpsum?+
A SIP invests a fixed amount every month, so your money goes in gradually and each instalment compounds for a different length of time. A lumpsum invests a single amount once today, which then compounds for the full period. Lumpsum future value is FV = P · (1 + r)^t, where P is the amount, r is the annual return and t is the number of years.
What expected return should I assume?+
Use a realistic long-run assumption rather than a recent peak. Equity-oriented funds in the region have historically averaged roughly 10–14% over long periods, debt and balanced funds less. Lowering the rate gives a more conservative projection. Whatever rate you choose, returns are an assumption — past performance does not guarantee future results.
Are these returns guaranteed?+
No. This tool assumes a constant rate of return for every period, which never happens in real markets — actual returns rise and fall year to year. It also ignores fund management charges, taxes and inflation. Treat the maturity value as an illustration of compounding, not a promise.
How does the investment period affect the result?+
Time is the most powerful lever in compounding. Because gains themselves earn returns, extending a SIP from 10 to 20 years can more than double the maturity value even though you only doubled the amount invested. Starting earlier usually matters more than investing a slightly larger amount later.
Does the calculator account for tax on returns?+
No. It shows gross maturity value before any capital-gains or dividend tax and before fund fees. In Nepal, investment gains may be subject to tax depending on the instrument, so your in-hand amount can be lower. Confirm the current treatment with SEBON guidance or a licensed advisor.
Sources & data note
Based on standard future-value mathematics: a SIP uses the future value of an annuity-due (contribution at the start of each month) and a lumpsum uses annual compounding. The expected-return presets are illustrative long-run assumptions, not forecasts — actual returns vary, are not guaranteed, and the figures exclude fund charges, taxes and inflation. Verify any scheme's terms with SEBON or a licensed advisor before investing.