SIP Calculator Nepal — Mutual Fund Returns
Work out what your monthly saving could grow into. Use any growth rate for a quick estimate, or pick a real Nepali open-ended fund to use the dividends it has actually paid — sourced from ShareSansar.
Tell us three things
The answer updates as you type — nothing to submit.
This uses the growth rate you picked above. To use what a real fund has actually paid instead,
Save रू 5,000 every month for 10 years
रू 1,032,760
You would pay in रू 600,000 of your own money. The other रू 432,760 is profit the money earned on its own — about 1.7× what you put in.
How it grows, year by year
Grey = your own money. Gold on top = profit.
Year-by-Year Breakdown
| Year | Invested | Est. Value | Profit | Return |
|---|---|---|---|---|
| 1 | रू 60.0 K | रू 63.4 K | रू 3.4 K | 5.6% |
| 2 | रू 1.20 L | रू 1.33 L | रू 13.3 K | 11.1% |
| 3 | रू 1.80 L | रू 2.11 L | रू 30.7 K | 17.0% |
| 4 | रू 2.40 L | रू 2.96 L | रू 56.1 K | 23.4% |
| 5 | रू 3.00 L | रू 3.90 L | रू 90.4 K | 30.1% |
| 6 | रू 3.60 L | रू 4.95 L | रू 1.35 L | 37.4% |
| 7 | रू 4.20 L | रू 6.10 L | रू 1.90 L | 45.2% |
| 8 | रू 4.80 L | रू 7.37 L | रू 2.57 L | 53.5% |
| 9 | रू 5.40 L | रू 8.78 L | रू 3.38 L | 62.5% |
| 10 | रू 6.00 L | रू 10.33 L | रू 4.33 L | 72.1% |
SIP Calculator Nepal — How to Use
Use the Simple SIP tab for a quick estimate: enter your monthly investment, expected annual return %, and duration. The calculator uses the standard compound interest formula to show your portfolio value over time. For more accurate projections based on actual fund performance, switch to the Advanced (Fund Data) tab.
Open-Ended vs Closed-Ended Mutual Funds in Nepal
This calculator only includes open-ended mutual funds — funds you can buy and redeem at any time at the current NAV. Closed-ended schemes have a fixed maturity (typically 5–7 years), after which they expire. SIP (Systematic Investment Plan) is only suitable for open-ended funds where you can invest regularly without a fixed end date. All 14 SEBON-registered open-ended funds are included. Dividend history sourced from ShareSansar. Newer funds with no declared dividend yet show estimated returns only.
What is DRIP in Nepal Mutual Funds?
DRIP (Dividend Reinvestment Plan) automatically converts your annual cash dividend into bonus units instead of paying it out. Since Nepal's mutual funds pay dividends as a percentage of face value (NPR 10 per unit), your units compound annually. Over 10+ years, DRIP can significantly increase your total units held — this is the core compounding mechanism in the Advanced calculator.
Disclaimer
Past dividend history does not guarantee future returns. Mutual fund investments are subject to market risks. This calculator is for educational and planning purposes only. Consult a SEBON-registered investment advisor before investing.
New to SIP? Start here
Six short answers. No prior share-market knowledge needed.
What is a SIP, in one line?
Putting a fixed amount into a mutual fund every month — like a savings scheme, except the money is invested in the market instead of sitting at a fixed interest rate.
What should I type in?
Only what you know: how much you can spare each month, and for how many years. Start with an amount you would not miss — even रू 1,000 a month shows you how it works. You can change it as often as you like; the answer updates as you type.
What return % should I choose?
If you are guessing, 8–12% is the range most people use for Nepali equity funds over a long period. Rather than guess, switch to "Use a real fund" — that uses the dividends each fund has actually paid, taken from ShareSansar, instead of a number you picked.
What does the big number mean?
It is what your money could be worth at the end, if the return you chose actually happened every year. The pills underneath split it into the part you paid in and the part that is profit.
Is this what I will really get?
No — and no calculator can tell you that. Mutual funds have no fixed rate of return. Real years are uneven: some good, some negative. This shows what steady growth would look like, which is useful for planning and not a promise. Read the fund’s prospectus before investing.
What is DRIP / dividend reinvestment?
When a fund pays a dividend you can take it as cash, or use it to buy more units. Buying more units means the next dividend is calculated on a larger holding — that is what makes the line curve upward instead of running straight.
Mutual fund investments are subject to market risk. These figures are an illustration of steady growth, not a forecast and not advice — nobody can predict a fund's actual return.