SIP Calculator
See what a monthly investment could grow into.
Nepali mutual funds and fixed deposits commonly quote 8–14%.
- You invest
- Rs 6,00,000
- Estimated gain
- Rs 5,61,695
- Gain vs investment
- 1.94×
Year by year
| Year | Invested | Value | Gain |
|---|
How a SIP compounds
A systematic investment plan puts a fixed amount in every month. Because each instalment starts earning from the month it goes in, the earliest instalments do most of the work — which is why the year-by-year table gains speed as it goes.
FV = P × ((1 + i)n − 1) ÷ i × (1 + i)
P is the monthly amount, i is the monthly rate (annual ÷ 12 ÷ 100) and n is the number of months. The trailing (1 + i) is what makes it an annuity due: the contribution is assumed to go in at the start of each month rather than the end.
A projection, not a promise. Real returns move year to year, and a fund’s expense ratio and exit load reduce what you actually receive. This assumes a constant rate.