Future Value
NPR 11,61,695
Projected SIP corpus (NPR).
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NPR · Free SIP tool
FIRE Nepal · Mutual fund SIP
SIP Calculator Nepal
Calculate your estimated SIP returns in NPR.
नियमित लगानी वृद्धि योजना
Estimate maturity value from monthly investment, period, expected annual return, and optional annual step-up — then review total invested, wealth gain, and year-by-year growth.
Growth multiple
1.9x
FIRE progress
3.9%
Passive income
NPR 3,872
Live Wealth Projection
NPR 11,61,695
NPR 3Cr FIRE target3.9%
Your money could grow 1.9x. Inflation reduces purchasing power by 41.5%.
SIP Engine
Monthly NPR SIP with optional step-up, inflation, and FIRE target logic.
Total Invested
NPR 6,00,000
Your total contributions.
Total Profit
NPR 5,61,695
Compounding gain.
Inflation Adjusted
NPR 6,80,092
Future buying power.
Monthly Passive Income
NPR 3,872
Estimated with 4% rule.
FIRE Completion
3.9%
Against NPR 3Cr target.
Quick Presets
Fast NPR SIP scenarios for planning in Nepal.
Compound Growth Chart
Year-by-year wealth path with real value overlay.
FIRE Analytics
Milestones mapped to Nepal retirement targets.
Coast FIRE date
Beyond horizon
Lean FIRE estimate
Beyond horizon
Full FIRE estimate
Beyond horizon
Retirement corpus
NPR 11,61,695
Safe withdrawal
NPR 46,468 / year
Profit vs Invested
Visual split between your savings and market growth.
FIRE Milestone Timeline
Interactive progress markers for long-term wealth goals.
First NPR 10L
NPR 10,00,000
Coast FIRE
NPR 75,00,000
Lean FIRE
NPR 1,50,00,000
Full FIRE
NPR 3,00,00,000
SIP scenario
If you invest NPR 5,000 monthly for 10 years
At your selected 12% annual return, this scenario projects a future value of NPR 11,61,695 in Nepal terms.
Contributed (scenario)
NPR 6,00,000
NPR future value
NPR 11,61,695
Smart Insights
Clear signals for your next money decision.
Your money could grow 1.9x.
Inflation reduces future purchasing power by 41.5%.
Lean FIRE is beyond this timeline; increase monthly SIP or extend the horizon.
Year-by-Year Wealth Graph
Detailed SIP table for professional planning.
| Year | Monthly SIP | Invested | Profit | Future Value | FIRE % |
|---|---|---|---|---|---|
| 0 | — | NPR 0 | NPR 0 | NPR 0 | 0% |
| 1 | NPR 5,000 | NPR 60,000 | NPR 4,047 | NPR 64,047 | 0.2% |
| 2 | NPR 5,000 | NPR 1,20,000 | NPR 16,216 | NPR 1,36,216 | 0.5% |
| 3 | NPR 5,000 | NPR 1,80,000 | NPR 37,538 | NPR 2,17,538 | 0.7% |
| 4 | NPR 5,000 | NPR 2,40,000 | NPR 69,174 | NPR 3,09,174 | 1% |
| 5 | NPR 5,000 | NPR 3,00,000 | NPR 1,12,432 | NPR 4,12,432 | 1.4% |
| 6 | NPR 5,000 | NPR 3,60,000 | NPR 1,68,785 | NPR 5,28,785 | 1.8% |
| 7 | NPR 5,000 | NPR 4,20,000 | NPR 2,39,895 | NPR 6,59,895 | 2.2% |
| 8 | NPR 5,000 | NPR 4,80,000 | NPR 3,27,633 | NPR 8,07,633 | 2.7% |
| 9 | NPR 5,000 | NPR 5,40,000 | NPR 4,34,108 | NPR 9,74,108 | 3.2% |
| 10 | NPR 5,000 | NPR 6,00,000 | NPR 5,61,695 | NPR 11,61,695 | 3.9% |
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📈 AI Wealth Projection
नेपालीमा विस्तृत विश्लेषण 10 yr plan
Monthly investmentमासिक लगानीNPR 5,000
Investment periodलगानी अवधि10 years
Expected annual returnअपेक्षित वार्षिक प्रतिफल12%
Inflationमुद्रास्फीति5.5%
Total investedकुल लगानीNPR 6,00,000
Future valueभविष्य मूल्यNPR 11,61,695
तपाईंले हरेक महिना NPR 5,000 SIP लगानी गर्ने योजना बनाउनुभएको छ। यो योजना 10 वर्षसम्म चल्नेछ र वार्षिक 12% प्रतिफलको अनुमान राखिएको छ। कुल लगानी करिब NPR 6,00,000 हुनेछ भने अनुमानित भविष्य मूल्य NPR 11,61,695 छ।
42 · Risky
42
/ 100
Risky(जोखिमपूर्ण)
तपाईंको स्कोर 42/100 छ। हालको योगदान/अवधिले दीर्घकालीन लक्ष्य पुग्न अपुग देखिन सक्छ — सुधार आवश्यक छ।
Strengths · बलियो पक्ष
- अनुमानित प्रतिफल मुद्रास्फीतिभन्दा माथि छ — वास्तविक सम्पत्ति बढ्छ।
- नियमित मासिक SIP अनुशासन सम्पत्ति निर्माणको बलियो आधार हो।
Weaknesses · कमजोरी
- हालको SIP ले FIRE लक्ष्य पूरा गर्न थप बचत वा समय चाहिन सक्छ।
1.9x
Future Value
भविष्य मूल्यNPR 11,61,695
Total Invested
कुल लगानीNPR 6,00,000
Estimated Profit
अनुमानित नाफाNPR 5,61,695
CAGR
वृद्धि दर6.8%
10 वर्षपछि तपाईंको अनुमानित भविष्य मूल्य NPR 11,61,695 हुनेछ। त्यसमा तपाईंले जम्मा NPR 6,00,000 लगानी गर्नुहुन्छ र अनुमानित नाफा NPR 5,61,695 रहन्छ। साधारण वृद्धि दर (CAGR जस्तो) करिब 6.8% देखिन्छ भने मोडलको वार्षिक प्रतिफल 12% हो।
Compound
- हरेक महिनाको सानो SIP ले समयसँगै ठूलो सम्पत्ति बनाउँछ — किनकि नयाँ लगानीमात्र होइन, पहिलेको नाफामाथि पनि प्रतिफल थपिन्छ।
- सुरुका वर्षहरूमा वृद्धि बिस्तारै देखिन्छ; पछिल्ला वर्षहरूमा चक्रवृद्धिले सम्पत्ति छिटो उकालो लाग्छ।
- धैर्य महत्त्वपूर्ण छ — बीचमा रोकिए वा बिक्री गरे चक्रवृद्धिको सबैभन्दा बलियो भाग गुम्न सक्छ।
- तपाईंको मोडलमा पैसा करिब 1.9 गुणा पुग्ने अनुमान छ — यो नियमितता र समयको संयुक्त परिणाम हो।
Real 6.5%
- मुद्रास्फीतिले भविष्यको पैसाको किन्ने क्षमता घटाउँछ — त्यसैले नाममात्रको भविष्य मूल्य मात्र हेरेर निर्णय गर्नु हुँदैन।
- 10 वर्षपछिको NPR 11,61,695 को किन्ने क्षमता आजको हिसाबले करिब NPR 6,80,092 बराबर हुन्छ।
- मुद्रास्फीतिले करिब 41.5% किन्ने क्षमता घटाउँछ।
- तपाईंको अनुमानित वास्तविक प्रतिफल करिब 6.5% छ — लगानीले मुद्रास्फीति जित्ने सम्भावना छ।
🔴 High Risk
🔴
High Risk
उच्च जोखिम40%
हालको योगदान/अवधिले लक्ष्य पुग्न अपुग देखिन्छ। जोखिम उच्च छ — योजना पुनरावलोकन आवश्यक छ (सम्भावना करिब 40%)।
4 factors
🟡Market Risk(बजार जोखिम)Moderate
सेयर/म्युचुअल फण्डमा उतारचढाव सामान्य हो। दीर्घकालीन दृष्टिले जोखिम व्यवस्थापन गर्न सकिन्छ।🟢Inflation Risk(मुद्रास्फीति जोखिम)Low
लगानीले मुद्रास्फीति जित्ने पर्याप्त मार्जिन देखिन्छ।🟡Time Horizon Risk(समय अवधि जोखिम)Moderate
मध्यम अवधि छ — निरन्तरता र सम्भव भए अवधि लम्ब्याउँदा फाइदा बढ्छ।🟡Behavior Risk(व्यवहार जोखिम)Moderate
बजार तल जाँदा SIP रोक्ने वा हतारमा बेच्ने आदतले दीर्घकालीन नतिजा बिगार्न सक्छ। अनुशासन नै सबैभन्दा ठूलो सुरक्षा हो। 5 tips
मासिक SIP बढाउनुहोस्सम्भव भए 10–20% SIP बढाउँदा भविष्य मूल्य र FIRE प्रगति दुवै छिटो माथि जान्छ।
लगानीमा टिकिरहनुहोस्चक्रवृद्धिको ठूलो फाइदा पछिल्ला वर्षहरूमा आउँछ — बीचमा रोकिनु हुँदैन।
लगानी अवधि लम्ब्याउनुहोस्केही वर्ष थप्दा पनि सम्पत्ति उल्लेखनीय रूपमा बढ्न सक्छ।
लगानी विविधीकरण गर्नुहोस्जोखिम घटाउन इक्विटी, बन्ड, सुन र नगदमा फैलाउनुहोस्।
Panic Selling बाट बच्नुहोस्बजार गिरावटमा बेच्नुभन्दा SIP जारी राख्नु ऐतिहासिक रूपमा फाइदाजनक हुन्छ।
Age path
30
Age 30 · Start SIP
SIP सुरुNPR 0
35
Age 35 · Wealth building
सम्पत्ति वृद्धिNPR 4,12,432
39
Age 39 · Acceleration phase
तीव्र वृद्धि चरणNPR 9,74,108
40
Age 40 · Horizon corpus
अवधि अन्त्यको सम्पत्तिNPR 11,61,695
Legacy
Expected Final Wealth
NPR 11,61,695
- कुल लगानी: NPR 6,00,000
- अनुमानित नाफा: NPR 5,61,695
- मुद्रास्फीति समायोजित मूल्य: NPR 6,80,092
- 4% नियमअनुसार मासिक निष्क्रिय आम्दानी (NPR): NPR 3,872
यो बाँकी/अन्तिम सम्पत्ति भविष्यको सुरक्षा, परिवारको लागि विरासत, वा FIRE जीवनशैलीको आधार बन्न सक्छ — नियमित SIP जारी राख्दा यो अनुमान अझ बलियो हुन्छ।
सारांश
तपाईंको SIP योजनामा अहिले जोखिम देखिन्छ। हरेक महिना NPR 5,000 लगानी गर्दा 10 वर्षमा करिब NPR 11,61,695 पुग्ने अनुमान छ। लगानीले मुद्रास्फीति जित्ने सम्भावना छ। नियमितता, धैर्य र विविधीकरण नै तपाईंको दीर्घकालीन सफलताको कुञ्जी हुन्।
📈 Wealth Growth Chart
सम्पत्ति वृद्धि चार्ट📊 Invested vs Growth
लगानी बनाम वृद्धि📉 Inflation-adjusted Wealth
मुद्रास्फीति समायोजित सम्पत्ति Premium Verdict
🔴 High-Risk Wealth Plan
उच्च जोखिमयुक्त सम्पत्ति योजनादीर्घकालीन सम्पत्ति निर्माणको सम्भावना करिब 40% देखिन्छ। कारण: Wealth Score 42/100, वृद्धि 1.9x, FIRE प्रगति 3.9%, र वास्तविक प्रतिफल 6.5%। SIP रकम/अवधि बढाएर योजना बलियो बनाउनुहोस्।
Probability of Long-term Wealth Creation
40%
Disclaimer
Results are illustrative estimates based on the assumptions entered. Mutual fund returns are not guaranteed. Actual returns may vary. This calculator is for educational and financial planning purposes only.
SIP Value
NPR 11,61,695
3.9%
SIP education · Nepal · NPR
Last updated 2026-08-23 · Reviewed for educational clarity by Raj Kumar Ghalan, Founder of FIRE Nepal
What is a SIP Calculator?
A SIP calculator estimates how a Systematic Investment Plan could grow if you invest a fixed amount regularly — usually every month — into a market-linked product such as a mutual fund. FIRE Nepal’s SIP Calculator Nepal helps you project:
- Monthly investment amount in NPR
- Investment period in years
- Expected annual return (an assumption you choose)
- Optional annual step-up (increasing SIP each year)
Use it to compare scenarios before you commit cash — then confirm scheme rules, fees, and risks with the fund house. Results are estimates for planning, not promises.
SIP Calculator Nepal – How It Works
- Enter your monthly SIP in Nepali Rupees.
- Choose an expected annual return for illustration (many planners stress-test 8%, 10%, and 12%).
- Set the number of years you expect to continue investing.
- Optionally add an annual step-up percentage to model salary growth.
- Review total invested, estimated maturity value, estimated profit, year-by-year rows, and the growth chart.
The engine compounds monthly. When step-up is enabled, the monthly contribution rises once per year and later installments also compound for the remaining horizon.
How to Calculate SIP Returns in Nepal
In Nepal, SIP usually means buying mutual fund units on a schedule through a capital company or distributor under SEBON’s regulatory framework. Your actual return depends on NAV movement, expense ratios, taxes, and whether you stay invested through market swings.
To estimate returns for planning: pick a sustainable monthly NPR amount, choose a conservative-to-moderate assumed return, and run multiple horizons (5, 10, 15, 20 years). Then compare with a lumpsum scenario if you already hold a cash pile.
SIP Formula
For a fixed monthly SIP with no step-up, calculators commonly use the future value of an annuity-due style formula (contribution at the beginning of each month):
M = P × [((1 + r)^n − 1) / r] × (1 + r) P = monthly investment r = monthly rate (annual rate ÷ 12) n = total months M = estimated maturity value
With annual step-up, a closed form gets messy, so FIRE Nepal simulates month by month: add the current SIP, apply the monthly return, then raise the SIP after each completed year.
Methodology note: assumed returns are constant in the model. Real mutual fund NAVs fluctuate. Fees, exit loads, and taxes are not fully modelled — treat outputs as educational estimates.
SIP Calculator Example
Example (illustrative only): invest NPR 5,000 every month for 10 years at an assumed 12% annual return with no step-up.
- Total invested: NPR 6,00,000
- Estimated maturity value: NPR 11,61,695
- Estimated wealth gain: NPR 5,61,695
These figures use a constant return assumption. Actual mutual fund results can differ materially.
Monthly SIP Investment Examples
The table below uses the same illustrative assumptions: 12% annual return, 10 years, no step-up. Labels are estimates for education only.
| Monthly SIP | Total invested | Est. maturity | Est. gain |
|---|---|---|---|
| NPR 1,000 | NPR 1,20,000 | NPR 2,32,339 | NPR 1,12,339 |
| NPR 5,000 | NPR 6,00,000 | NPR 11,61,695 | NPR 5,61,695 |
| NPR 10,000 | NPR 12,00,000 | NPR 23,23,391 | NPR 11,23,391 |
| NPR 20,000 | NPR 24,00,000 | NPR 46,46,782 | NPR 22,46,782 |
SIP vs Lumpsum Investment
SIP spreads purchases over time and matches monthly income or remittance flows. Lumpsum invests available capital immediately, so more money can compound sooner — if markets rise after you invest. If markets fall soon after a lumpsum, paper losses can feel sharper.
Many Nepali investors use both: keep an emergency fund liquid, deploy surplus cash gradually via SIP, and occasionally invest a lumpsum when they receive a bonus or large remittance. Compare paths with the SIP investment calculator and the lumpsum calculator.
SIP Investment in Nepal
SIP investing in Nepal typically means registering with a fund manager or distributor, completing KYC, choosing a scheme, and setting a monthly debit or payment instruction. Minimum installment amounts often land around Rs 500–1,000, but schemes differ — verify before you plan.
Practical tips: automate after payday, increase SIP when income rises (step-up), and avoid stopping only because markets are down unless your goals or risk capacity changed. Pair SIP with an emergency fund so you are not forced to redeem at a bad time.
Mutual Funds and SIP in Nepal
Mutual funds pool investor money into a portfolio managed under disclosed objectives. Open-end schemes usually publish NAV and allow periodic subscriptions. SIP is a payment method into those schemes, not a separate asset class.
Read the scheme’s key information documents for risk category, asset mix, fees, and exit conditions. SEBON regulation supports market integrity and disclosure; it does not guarantee performance. For a deeper walkthrough, see Mutual Fund SIP in Nepal.
Is SIP a Good Investment for Nepali Investors?
SIP can be a useful habit for long-term goals — retirement, education, or FIRE planning — because it turns investing into a monthly system. Whether it is “good” for you depends on time horizon, risk tolerance, fees, diversification, and whether the money is truly surplus after essentials and emergency savings.
SIP is not automatically better than paying high-interest debt, buying needed insurance, or holding cash for near-term goals. Treat the calculator as a planning lens, not a recommendation to buy any specific fund.
Frequently Asked Questions
What is a SIP calculator in Nepal?+
A SIP calculator in Nepal estimates the future value of a Systematic Investment Plan using your monthly NPR investment, expected annual return, investment period, and optional annual step-up. It is an educational planning tool — not a guarantee of mutual fund returns.
How is SIP return calculated?+
FIRE Nepal’s SIP Calculator compounds monthly contributions using an assumed annual return converted to a monthly rate. With optional step-up, the monthly SIP amount increases each year. The result is an illustrative maturity value based on your assumptions, not a promised fund return.
What is the minimum SIP investment in Nepal?+
Minimum SIP amounts vary by mutual fund scheme and distributor. Many Nepal schemes historically allow starting around Rs 500–1,000 per month, but you should confirm the current minimum with the specific fund house before investing.
Can I calculate SIP returns in Nepali Rupees?+
Yes. The FIRE Nepal SIP Calculator is built for NPR planning, with results formatted using Nepalese/Indian digit grouping so you can review total invested, estimated maturity value, and wealth gain in rupees.
What happens if I increase my SIP every year?+
An annual step-up increases your monthly contribution each year (for example by 5% or 10%). Over long periods this can raise total invested and estimated maturity value substantially because larger later contributions also compound. Use the step-up field on the calculator to model this.
Is SIP return guaranteed?+
No. SIP returns in mutual funds are market-linked and not guaranteed. Calculator outputs are illustrative estimates based on the return rate you enter. Actual results can be higher or lower depending on NAV movement, fees, taxes, and how long you stay invested.
Which mutual funds offer SIP in Nepal?+
Several SEBON-regulated mutual fund schemes and capital companies in Nepal offer SIP or systematic investment options. Availability, minimum amounts, and payment methods change over time — check the fund’s key information memorandum and the issuer’s current SIP process.
How much should I invest in SIP every month?+
There is no single correct amount. A practical approach is to invest only what you can sustain after essentials, emergency savings, and debt obligations. Compare scenarios such as Rs 1,000, Rs 5,000, Rs 10,000, or Rs 20,000 per month in the calculator to see how contribution size changes estimated outcomes.
How does compounding work in SIP?+
Each SIP installment can earn returns, and those returns can earn further returns over time. Early contributions have more months to compound than later ones. Longer horizons usually amplify compounding — but markets can also reverse gains, so compounding is a mathematical effect under assumed returns, not a guarantee.
What is the difference between SIP and lumpsum investment?+
SIP invests fixed amounts periodically (usually monthly). Lumpsum invests a large amount at once. SIP can be easier to fund from salary or remittance cash flow and spreads purchase timing; lumpsum puts more capital to work sooner if you already hold cash. Neither approach guarantees better results.
Learn more: SIP guides for Nepal
Build topical understanding with FIRE Nepal’s SIP cluster — each guide links back to this calculator.
- Financial Freedom Nepal · Hub for independence planning
- SIP in Nepal: Complete Beginner Guide · 11 min read
- How SIP Works in Nepal · 10 min read
- How Much Should You Invest in SIP Every Month? · 9 min read
- SIP vs Lumpsum in Nepal · 10 min read
- Step-Up SIP in Nepal · 9 min read
- SIP Return Calculation Explained · 11 min read
- Mutual Fund SIP in Nepal · 10 min read
- SIP for Nepalis Living Abroad · 10 min read
- SIP Investment for Retirement Planning · 11 min read
- Common SIP Investment Mistakes in Nepal · 9 min read
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SIP Guides for Nepal
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