SIP Calculator — Sri Lanka
See how a monthly investment grows over time at Sri Lanka's historical returns. No signup, no tracking.
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.
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.