SIP Shield Calculator

Historically, stopping a SIP during a correction has hurt long-term outcomes because it skips the instalments that buy units at the lowest prices. If the money is genuinely long-term (7+ years) and you don’t need it soon, continuing — or even stepping up — through a fall has usually worked in the investor’s favour. This calculator quantifies the difference for your numbers.

Because the instalment is a fixed rupee amount, a lower NAV means each instalment buys more units. Over a fall-and-recovery cycle this lowers your average cost per unit, so when the market recovers you hold more units bought cheaply. This is the core of rupee-cost averaging.

Nobody can predict the timing of a recovery, and a market can stay flat or fall further for longer than expected. The case for continuing a SIP does not rely on a quick bounce — it relies on accumulating units at lower prices over the whole period, which is why matching the money to a long horizon (and keeping short-term needs out of equity) matters.