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Market Volatility Simulator
Simulate market crashes and see their impact on your SIP
Simulation Controls
SIP Setup
Monthly SIP₹10,000
Expected Return12%
Total Duration20 Years
Market Crash Settings
Crash Occurs in YearYear 5
Crash Severity-30%
Recovery Period2 Years
Quick Presets
Normal SIP Value
₹99.91 L
Without any market crash
After Crash Impact
₹85.08 L
With 30% crash in Year 5
Wealth Impact
-14.8%
Gap: ₹14.84 L
Portfolio Growth: Normal vs Crash Scenario
Key Insight
Even with a 30% market crash in Year 5, your SIP portfolio recovers significantly over 20 years. The long-term impact is only 14.8%, demonstrating SIP's resilience through market cycles. The most important action during a crash is to continue your SIP — never stop.
Year-by-Year Comparison
| Year | Invested | Normal Value | Crash Value | Difference |
|---|---|---|---|---|
| 1 | ₹1.20 L | ₹1.28 L | ₹1.28 L | -₹0 |
| 2 | ₹2.40 L | ₹2.72 L | ₹2.72 L | -₹0 |
| 3 | ₹3.60 L | ₹4.35 L | ₹4.35 L | -₹0 |
| 4 | ₹4.80 L | ₹6.18 L | ₹6.18 L | -₹0 |
| 5 CRASH | ₹6.00 L | ₹8.25 L | ₹5.77 L | -₹2.47 L |
| 6 | ₹7.20 L | ₹10.58 L | ₹7.79 L | -₹2.79 L |
| 7 | ₹8.40 L | ₹13.20 L | ₹10.06 L | -₹3.14 L |
| 8 | ₹9.60 L | ₹16.15 L | ₹12.61 L | -₹3.54 L |
| 9 | ₹10.80 L | ₹19.48 L | ₹15.49 L | -₹3.99 L |
| 10 | ₹12.00 L | ₹23.23 L | ₹18.74 L | -₹4.50 L |
| 11 | ₹13.20 L | ₹27.46 L | ₹22.40 L | -₹5.07 L |
| 12 | ₹14.40 L | ₹32.23 L | ₹26.52 L | -₹5.71 L |
| 13 | ₹15.60 L | ₹37.59 L | ₹31.16 L | -₹6.43 L |
| 14 | ₹16.80 L | ₹43.64 L | ₹36.39 L | -₹7.25 L |
| 15 | ₹18.00 L | ₹50.46 L | ₹42.29 L | -₹8.17 L |
| 16 | ₹19.20 L | ₹58.14 L | ₹48.93 L | -₹9.20 L |
| 17 | ₹20.40 L | ₹66.79 L | ₹56.42 L | -₹10.37 L |
| 18 | ₹21.60 L | ₹76.54 L | ₹64.86 L | -₹11.69 L |
| 19 | ₹22.80 L | ₹87.53 L | ₹74.37 L | -₹13.17 L |
| 20 | ₹24.00 L | ₹99.91 L | ₹85.08 L | -₹14.84 L |
This simulator is for educational purposes only. Actual market crashes are complex events with variable recovery patterns. The simulation uses simplified models. Real-world outcomes may differ significantly. Past performance does not guarantee future returns.