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 Basanta Limbu, a banker currently working at ‘A’ Class Commercial Bank. I am the person behind SIP Calculator NP. I built this free SIP Calculator tool to help Nepali people easily understand SIPs, Mutual Funds, savings, and daily money management decisions.
I am not a licensed investment adviser. My work in Nepal’s banking sector informs the practical examples on this site, but readers should verify product-specific terms against current bank, fund-manager and regulatory documents.
I invest a portion of my salary and have personally used SIPs in more than ten Nepali mutual-fund schemes. My first SIP was NIBL Sahabhagita Fund and my second was NMB Saral Bachat Fund–E. That experience helps me test whether a guide answers practical questions such as payment confirmation, NAV date and delayed unit allotment; I describe one allotment-timing comparison from my own transactions. Personal observations are labelled as such, while official fund documents and notices remain the source for scheme rules, fees and current figures.
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
I started this site after struggling to find a SIP calculator that used Nepali rupees and explained its assumptions. I wanted a way to compare contribution schedules over 10 or 15 years while understanding that a projection is different from an actual fund statement.
I wanted a calculator in Nepali rupees with clear assumptions and examples relevant to local products. A projection depends on the contribution schedule, assumed return and calculation method; no single investment formula is mandated by SEBON for all funds.
A fund statement records actual units bought at the applicable NAV, while a future-value calculator models an assumed return. Those figures answer different questions and should not be expected to match. Bank deposit products can also use different interest and payment rules, so the product terms matter.
This difference matters when planning. I wanted visitors to see a transparent estimate and then compare it with their fund statement, prospectus or bank terms before making a decision.
I built SIP Calculator NP to make those assumptions easier to understand. Its projections are mathematical illustrations, not a reproduction of any particular fund manager’s official statement or a promise of the amount you will receive.
What I Have Built So Far
The project began with a SIP calculator. I later added FD, RD, SWP and retirement tools to answer related planning questions. Each tool has its own assumptions and limitations, described on its page.
SIP Calculator — Enter a contribution amount, frequency, period and assumed return to explore an illustrative future value. The estimate uses a regular contribution schedule and a constant assumed rate. Actual mutual fund units are allotted at applicable NAVs, and real returns vary with the market, charges and transaction timing.
Lumpsum Calculator — Explore how a one-time amount might change under an assumed annual rate. It is a scenario, not a fund-specific forecast or guaranteed investment result.
SWP Calculator (Systematic Withdrawal Plan) — Model how regular withdrawals might affect an existing corpus under a constant return assumption. Real NAVs fluctuate, and this tool cannot identify a guaranteed or universally safe withdrawal amount.
RD Calculator (Recurring Deposit) — Estimate the value of regular bank deposits using the compounding assumption shown by the tool. Banks and products can differ in interest calculation, deposit timing, tax and early-withdrawal conditions. Check the current terms and the bank’s official maturity quote.
FD Calculator (Fixed Deposit) — Estimate a maturity value from your principal, annual rate and tenure using the tool’s stated assumptions. Your bank’s product terms and applicable tax determine the amount actually credited, so confirm the result with the bank.
Retirement Planning Calculator — Explore possible future savings needs using assumptions about inflation, growth and contributions. These inputs are planning scenarios, not forecasts. Review the assumptions against current official information and your own circumstances.
What Makes This Different From Other Calculator Websites
I designed these calculators to provide a clear and accessible planning experience. Each tool applies a stated mathematical formula to the information entered by the user. However, the results are estimates and may differ from actual bank or fund figures because of fees, taxes, transaction timing, scheme rules and market movements.
Nepal-focused assumptions: Where applicable, the calculators use Nepali currency, locally relevant contribution frequencies and assumptions designed for common financial products available in Nepal. Regulations, tax treatment, bank calculation methods and mutual fund rules can change. Users should therefore verify results against current official documents and their actual bank or fund statements. If you notice a discrepancy, please contact me so I can investigate it.
The context is Nepali. I write about SEBON-regulated mutual funds, including open-ended schemes in which investors generally buy or redeem units through the manager at the applicable NAV, and listed closed-ended schemes whose NEPSE trading price can differ from NAV. I use examples in Nepali rupees and link to the relevant manager’s documents when a product rule matters. Readers should check the current scheme terms and their own transaction statements before acting on a guide.
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
I also run CalculatorNP.com, a broader Nepal-focused calculator site. Each website has a different scope, and I maintain the tools and explanations as product terms or official rules change.
Both websites share the same purpose: to provide free educational tools that help users explore financial scenarios. I maintain the calculators and revise their assumptions when official rules, tax provisions or product terms change. The results remain estimates and should not be used as the sole basis for a financial decision.
My Commitment to Accuracy and Transparency
Financial content requires particular care because visitors may use it as part of their planning. My goal is to explain every important assumption, avoid inflated expectations and correct identified errors promptly. These calculators are educational tools and do not replace official bank statements, fund reports or advice from a qualified professional.
I maintain this site myself. For scheme rules, NAV and dividends, I check the relevant fund manager’s notices and reports; for regulatory explanations, I consult SEBON or Nepal Rastra Bank materials where relevant. I date updates when a material fact changes and correct identified errors. If you find a discrepancy, contact me with the page URL, your inputs and the official source so I can investigate.
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 be accessible to people at every income level. I want visitors to use these free tools to ask better questions, compare assumptions and verify important figures with the relevant institution.
Thank you for visiting. If you spot an error or have a suggestion, you can reach me through the contact page.
— Basanta
Creator, SIP Calculator NP
Belbari, Nepal