SIP Calculator — Sri Lanka
See how a monthly investment grows over time at Sri Lanka's historical returns. No signup, no account needed.
Enter a monthly amount, a return rate between 0% and 100%, and a duration above zero to see results.
Where to invest & expected returns
CSE All-Share long-term ≈ 10–12% LKR. Unit trust providers: NDB Wealth, Ceybank, First Capital, Softlogic. Post-crisis recovery supports equity outlook.
Returns are long-term historical averages, not guarantees — markets fall as well as rise. Invest for the long term and diversify.
The power of compounding
Investing ₨10,000 per month for 15 years at 11% p.a.:
- Future value: ₨4,588,576
- Total invested: ₨1,800,000
- Estimated gains: ₨2,788,576
That's roughly 2.5× your money — most of it from compounding. Scale the ₨10,000 to your own monthly amount. Starting earlier matters more than investing more.
A real-data rate check: long-term investment returns in Sri Lanka (2026)
Sri Lanka's equity market has been on a wild ride. The Colombo Stock Exchange All Share Price Index (ASPI) collapsed during the 2022 sovereign debt crisis and then staged one of the strongest recoveries in Asia. Per the Unit Trust Association of Sri Lanka's Performance Report (September 2025), the ASPI produced a 5-year CAGR of 29.48% as of September 2025. As of 17 July 2026 , the Central Bank of Sri Lanka's Weekly Economic Indicators put the ASPI at 21,405.41, about 13.4% above its year-earlier level of 18,876.85 — well below the post-crisis pace, showing the rally has lost much of its momentum.
Named unit trust equity funds tracked in the same UTASL report show a wide spread: over the trailing year, funds like the JB Vantage Value Equity Fund (61.08%) and NDB Wealth Growth Fund (44.96%) rode the rally hard, while their 5-year CAGRs cluster more moderately (e.g. NAMAL Growth Fund 22.55%). These 5-year figures are inflated by the low base of the 2022 crash and should not be extrapolated forward. We recommend 12% per year as a realistic long-term planning assumption, broadly consistent with pre-crisis long-run nominal equity performance.
A more realistic example: investing LKR 10,000 per month for 15 years (180 months) at a 12% annual return, using FV = P x [((1+r)^n - 1)/r] x (1+r), gives a future value of approximately LKR 5,045,760 on total contributions of LKR 1,800,000 — a gain of about LKR 3,245,760. By contrast, plugging in the unsustainable recent 5-year ASPI CAGR of 29.48% would project roughly LKR 21.9 million, illustrating why using recent post-crisis rally returns as a default would badly overstate expectations.
Frequently Asked Questions
How does a sip work in Sri Lanka?
You invest a fixed amount each month into funds or an index. You buy more units when prices are low and fewer when high (cost averaging), and returns compound over time.
What return can I expect in Sri Lanka?
Long-term historical equity returns are around 11% per year here, though any single year can be sharply up or down. CSE All-Share long-term ≈ 10–12% LKR. Unit trust providers: NDB Wealth, Ceybank, First Capital, Softlogic. Post-crisis recovery supports equity outlook.
What is the minimum to start?
Most platforms let you start small and increase later. Setting up an automatic monthly investment builds discipline and smooths out market timing.
Is investing better than a fixed deposit?
Investing targets higher long-term growth but carries market risk; fixed deposits are safer but usually return less. Many people hold both, matched to their time horizon.
What annual return does this calculator assume for Sri Lanka, and why?
We default to 12% per year. This is below the extraordinary 29.48% five-year CAGR the ASPI posted through September 2025 (Unit Trust Association of Sri Lanka), because that figure is inflated by the sharp recovery from the 2022 crisis lows. A 12% assumption better reflects a full market cycle; the ASPI's 12-month gain had already slowed to about 13.4% by 17 July 2026, per the Central Bank of Sri Lanka's Weekly Economic Indicators.
Are Sri Lankan unit trust or ASPI returns guaranteed to continue at recent rates?
No. The 2023-2025 rally in the ASPI and in named funds like the JB Vantage Value Equity Fund (61.08% 1-year) followed an unusually deep crash in 2022. Past performance, especially during a post-crisis recovery, is not a reliable guide to future returns, and monthly SIP investors should plan around a more conservative long-term assumption.
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Sources
Unit Trust Association of Sri Lanka, Performance Report (September 2025): CSE All Share Index and named unit trust fund performance. Central Bank of Sri Lanka, Weekly Economic Indicators, 17 July 2026 (ASPI 21,405.41; year ago 18,876.85) (accessed 15 October 2026). See our methodology and editorial policy for how we source and update this data.