About Us: Namaste! My name is Basanta Limbu, and I am the person behind SIP Calculator NP — every calculator, every line of code, every blog post, every late-night debugging session. This is a one-person project, and I want to tell you honestly why I built it and what drives me to keep improving it.
A Little About Us (About Me)
I am a banker and financial analyst residing in Belbari, Nepal. I have spent more than five years working inside Nepal’s banking and financial services industry — not as an outsider writing about finance from a textbook, but as someone who has sat across the desk from customers, worked with real loan portfolios, analyzed financial statements, and dealt with the day-to-day realities of how money moves through Nepal’s banking system.
Alongside my banking career, I work as a web designer and SEO content creator. I know that sounds like an unusual combination — a financial analyst who also writes code and builds websites — but that is exactly what makes this project possible.
I understand both the financial logic that needs to go into these calculators and the technical craft required to build them properly for the web. Not many people in Nepal sit at that intersection, and I consider it a responsibility to use both skill sets for something genuinely useful.
I am deeply invested in Nepal’s capital markets. Although I am not a heavy investors but i still contribute a minor portion of my salary income to different financial growing tools and platforms. So, I follow NEPSE movements, track NRB’s monetary policy circulars, read SEBON compliance updates, study mutual fund NAV reports, and keep a close eye on how commercial banks, development banks, and finance companies adjust their deposit and lending rates each quarter.
This is not just professional interest for me — it is personal. I invest my own money in Nepal’s mutual funds and different SIPS Schemes. I hold recurring deposits. I plan my own retirement using the same tools I have built on this website. When I say these calculators are built for Nepali investors, I mean they are built for people like me first.
Why I Built SIP Calculator NP
The idea behind the starting of this minor web blog is the emerge of frustration that I experience in finding the best tool for SIP. When I first started investing in mutual funds through the Nepali capital market, I wanted a simple tool to project how my SIP contributions would grow over 10 or 15 years.
Then, I started searching online and found dozens of SIP calculators — but every single one was built for the Indian market, and also detail breakdown are not so clear and easy to understand. The compounding formulas followed SEBI norms, not SEBON norms (not all websites). The currency was Indian Rupees, not Nepali Rupees. The tax assumptions, the fund house references, the expected return benchmarks — none of it applied to my reality as a Nepali investor.
I tried adjusting those Indian calculators by plugging in my own numbers, but the results never quite matched what my fund manager’s statements showed. The underlying math was different. The way NabilInvest calculates SIP returns, for example, is not identical to how an Indian AMC does it. The way Nepali banks compound interest on recurring deposits follows NRB’s quarterly compounding standard — not the monthly compounding that most international calculator websites assume.
These are not minor differences. If you are a salaried employee in Nepal putting NPR 5,000 per month into a mutual fund SIP, even a small formula mismatch can show you a projected maturity value that is lakhs of rupees off from what you will actually receive. That is not helpful — it is misleading. And I did not want to keep relying on tools that were misleading me about my own money.
So I decided to build my own. I opened my code editor, pulled out the actual formulas from Nepali fund house documentation, cross-verified the math against published NAV growth data, and built a SIP calculator that gives results consistent with how Nepal’s asset management companies actually calculate returns. That first calculator became the seed of what is now SIP Calculator NP.
What I Have Built So Far
At first, my aim was just to build a SIP Calculator, but later inside it I aimed to grow more financial tools that are interrelate to it. So, I designed other financial tools like FD Calculator, RD Calculator and other which are complementary to SIP and its compounding by following the Nepal-specific financial logic. Some major assets I would like to share with you are:
SIP Calculator — This is my flagship tool and the reason this website exists. It lets you project the future value of systematic investment plan contributions into Nepal-based mutual funds. I built the underlying formula to match how fund managers like NabilInvest, Siddhartha Capital, Laxmi Capital, Global IME Capital, NMB Capital, and NIBL Capital actually calculate periodic investment growth. You can model weekly, monthly, or quarterly contributions and see projected growth over 5, 10, 15, or even 25 years. I have personally cross-checked this calculator’s output against my own mutual fund statements to make sure the numbers align.
Lumpsum Calculator — For those times when you have a one-time amount to invest — maybe you received a bonus, sold property, or have savings sitting in your bank at a lower interest rate — this calculator helps you see how a one-time mutual fund investment could grow over time. The compounding logic follows the methodology used by Nepali asset management companies like Nicasia Capital for lump-sum investment projections.
SWP Calculator (Systematic Withdrawal Plan) — This one is close to my heart because I think about financial independence a lot. If you have already built a corpus through years of SIP investing and now want to withdraw a fixed amount each month while keeping the remaining investment growing, this calculator shows you how long your money will last and what your remaining balance will look like over time. It is an essential tool for anyone approaching retirement or planning to supplement their income from investments.
RD Calculator (Recurring Deposit) — Recurring deposits are one of the most common savings instruments in Nepal. Almost every salaried person I have met in my banking career has had an RD at some point. But here is the thing most people do not realize: Nepali banks and BFIs compound RD interest quarterly, as per NRB norms. Most international RD calculators use monthly compounding, which gives you a different — and incorrect — maturity figure for Nepal. My RD calculator uses quarterly compounding because that is what your bank actually does with your money. The difference matters, especially on larger deposits or longer tenures.
FD Calculator (Fixed Deposit) — Whether you are parking funds with Nabil Bank, NIC Asia, Global IME, Himalayan Bank, Machhapuchhre Bank, or a local development bank or finance company, my FD calculator projects your maturity value using NRB-standard quarterly compounding. You enter your principal, the annual interest rate your bank is offering and the tenure, and you see exactly what you will get at maturity. No guesswork, no foreign compounding methods, just the math your bank uses.
Retirement Planning Calculator — This is probably the most important calculator on the site, and honestly, the one I wish more Nepali people would use. Retirement planning is something most of us in Nepal do not think about until it is too late. I built this tool to give you a realistic projection of how much you need to save each month to maintain your lifestyle after you stop working. It uses a 7% average inflation rate based on Nepal Rastra Bank’s published CPI data — not some global average that has nothing to do with the price of rice, rent, and school fees in Kathmandu, Pokhara, or Butwal. It also factors in EPF (Employees’ Provident Fund), CIT (Citizen Investment Trust), and SSF (Social Security Fund) contributions so that you can see the complete picture.
What Makes This Different From Other Calculator Websites
To be honest, I built this calculator by taking a lot of time in designing to make it a user-friendly experience. And also I spend time investing in the real formula, calculations to be used to make a calculator 100% accurate. As I am not running a generic calculator website where the details breakdown is not clear and accurate, every aspect of this platform is purpose-built.
The math is Nepali. My RD and FD calculators use quarterly compounding because that is how NRB mandates it. My SIP calculator uses the same formula methodology that NabilInvest uses. My lump sum calculator aligns with Nicasia Capital’s compounding approach. My retirement calculator uses 7% inflation derived from NRB’s own CPI data, not a random 3% or 4% global assumption. If you compare my calculator outputs with your actual bank or fund statements, they should match — and if they do not, I want you to tell me so I can fix it.
The context is Nepali. When I write about mutual funds, I am writing about SEBON-regulated open-ended and closed-ended schemes traded on NEPSE. When I mention banks, I am talking about NRB Class A, B, and C institutions that you can actually walk into in Butwal, Kathmandu, or Biratnagar. When I discuss retirement, I am factoring in the real cost of living in Nepal — not New York or Mumbai. Everything on this website is grounded in the financial reality you and I actually live in.
I use these tools myself. This is not an abstract project for me. I run my own SIP projections through this calculator before adjusting my monthly contributions. I check my FD maturity estimates here before deciding on a tenure at my bank. I use the retirement planner to track whether I am on pace for my own financial goals. When I find a bug or an inaccuracy, it bothers me personally — because it means my own planning was off, too.
My Other Work
SIP Calculator is one of my valueable product where I aimed to make every financial investor who are enthusiate in investing or start journey in SIP Investment. Besides this i also run CalculatorNP.com, a broader financial calculator platform for Nepal that includes tools like an EMI Calculator for home and vehicle loans, a Salary Tax Calculator built around Nepal’s latest FY income tax slabs and Social Security Tax structure, and additional financial planning tools tailored to Nepal’s regulatory environment.
Both websites share the same philosophy: Both websites are designed for the same purpose to facilitate the accurate and easy calculation results for everyone. All these financial offered by my website are accurate, free for everyone, and useful for real financial decisions. I maintain both platforms actively, updating them when NRB issues new directives, when tax slabs change, when interest rate environments shift, or when I learn about a calculation edge case that needs fixing.
My Commitment to Accuracy and Transparency
As a bank employee, compliance is most important. So, I always take accuracy seriously because banking and financing are fully complied with Money and Investment. I know people use these tools to make a real investment deicison to thier mone. A person planning their retirement based on my calculator deserves numbers they can trust. A young professional starting their first SIP based on my projections should not be given inflated expectations.
That said, I want to be transparent: I am a single person, not a large company with a team. So, I do my best to cross-verify every formula and calculation result to match it in real life. But being a single person behind it i may make a mistake, so if you ever find a discrepancy between what my calculator shows and what your bank statement or fund statement says, please reach out to me at classytechstudio@gmail.com. I treat every accuracy report as urgent because trust is the only currency this website runs on.
I should also be clear about what this website is not: it is not a financial advisory service. I do not manage money, recommend specific funds, or tell you where to invest. I build tools and write educational content. Your financial decisions should always be made in consultation with a qualified financial adviser who understands your personal situation — not based solely on a calculator output, no matter how accurate that calculator is.
Why I Keep Doing This
Nepal’s mutual fund industry is still young. SIP investing is still a relatively new concept for most Nepali households. A lot of people I talk to — friends, family, colleagues at the bank — are curious about investing but feel intimidated because they do not understand how the numbers work. They hear terms like “compounding,” “NAV,” “SIP returns,” and “inflation-adjusted corpus,” and their eyes glaze over.
I built SIP Calculator NP because I believe a good calculator can do what a hundred blog posts cannot — it can show someone, in concrete numbers and clear charts, exactly how their small monthly contribution today can grow into something meaningful over 15 or 20 years. When a young person in Butwal or Birgunj enters NPR 2,000 per month into my SIP calculator and sees the projected value after 20 years, that moment of realization — “wait, I can actually build wealth on my salary?” — is why I keep working on this.
Financial literacy should not be previlage to higher earning ones; it should be excel to everyone to be financially strong. Every working Nepali deserves access to tools that help them understand their money. That is what SIP Calculator NP is here for, and as long as people find it useful, I will keep building, improving, and maintaining it.
I express my thank your for visiting and thank you for trusting this platform that you are using for your financial planning. If you have questions, feedback, or suggestions, I am always just an email away.
— Basanta
Creator, SIP Calculator NP
Belbari, Nepal