See how a starting amount and regular contributions could add up under an assumed return. An illustration, not a promise.
Illustrated final balance
NPR 195,263.88
Total contributedNPR 125,000Includes the initial investment
Modelled gainNPR 70,263.88Over 10 years
Contributions and growth
Illustrated values in NPR. This is not a forecast.
Loading chart…
Illustrated balanceTotal contributed
View year-by-year breakdown
Year
Contributed
Gain / loss
Balance
Now
NPR 5,000
NPR 0
NPR 5,000
1
NPR 17,000
NPR 947.92
NPR 17,947.92
2
NPR 29,000
NPR 2,970.52
NPR 31,970.52
3
NPR 41,000
NPR 6,156.98
NPR 47,156.98
4
NPR 53,000
NPR 10,603.91
NPR 63,603.91
5
NPR 65,000
NPR 16,415.93
NPR 81,415.93
6
NPR 77,000
NPR 23,706.34
NPR 100,706.34
7
NPR 89,000
NPR 32,597.84
NPR 121,597.84
8
NPR 101,000
NPR 43,223.33
NPR 144,223.33
9
NPR 113,000
NPR 55,726.72
NPR 168,726.72
10
NPR 125,000
NPR 70,263.88
NPR 195,263.88
No fees, taxes, inflation or market fluctuations are included. Contributions and returns stay constant throughout.
How this tool works Method, sources & assumptions
Developed by Suraj Pokhrel. Calculations are estimates; the method and assumptions explain how to interpret them.
SIP assumptions and example
Amounts are in Nepalese rupees (NPR). This model uses a starting balance, fixed recurring contributions, and a constant nominal annual return. Choose contribution timing and compounding frequency. At a 0% return, NPR 1,000 monthly for one year totals NPR 12,000. With matching compounding and contribution frequencies and start-of-period payments, the contribution formula is P × ((1 + r)ⁿ − 1) ÷ r × (1 + r). Fees, taxes and inflation are excluded. Mutual fund returns vary and are not guaranteed.
How this investment illustration works
Choose an initial amount, recurring contribution, annual rate, compounding frequency and contribution frequency. The starting balance and contributions grow at the assumed constant rate, with contributions added at the start or end of each period.
Calculation method
The equivalent return per contribution period is (1 + annual rate ÷ compounding periods)compounding periods ÷ contribution periods − 1, using the annual rate as a decimal. At zero return, the final balance is simply the starting amount plus all contributions. Choosing the same contribution and compounding frequency with start-of-period payments reproduces the standard annuity-due SIP formula.
Read the result as a scenario
Actual returns can rise or fall. This illustration excludes fees, taxes, inflation, missed contributions and market fluctuations. It is not a promised return or a recommendation to invest.
USEFUL ANSWERS
Understand the assumptions behind an SIP estimate
Compare scenarios by changing one assumption at a time. Keep the contribution amount and frequency the same when comparing return rates, otherwise the difference may come from paying in more money rather than growth.
Is the SIP result a guaranteed maturity amount?
No. It is an illustration using a constant rate and fixed contributions. The calculator does not predict a fund’s performance, market fluctuations, missed payments, fees, tax or inflation. A smooth chart is a model, not a promise.
Link to this answer ↗What is the difference between contribution and compounding frequency?
Contribution frequency determines how often you add money. Compounding frequency determines how often the model adds interest at the entered nominal annual rate. They need not match; the calculator converts the rate to the equivalent return for each contribution period.
A contribution made at the start of a period earns that period’s modelled return, while an end-of-period contribution does not. At a positive return, start-of-period contributions produce a larger illustrated balance. At zero return, the timing makes no difference.
Set the annual return to zero. An initial NPR 5,000 plus NPR 1,000 every month for one year must total NPR 17,000, with zero investment gain. This separates your contributions from the growth assumption.