SIP GUIDE / PLAN FOR REAL LIFE
Give your goal a stress test
One optimistic number can hide a lot. Explore what happens when returns, costs or your contribution change.
What if life changes?
Test the same plan against three setbacks.
YOUR SCENARIO COMPARISON
A gap is a reason to revisit the contribution, timeline or goal budget. It is not a reason to assume a higher return.
Constant annual-rate illustrations, not market predictions. Contributions are made at the beginning of each month. A pause skips six contributions without catch-up. Taxes and exit loads excluded; use return assumptions after ongoing fund expenses.
See contributions & calculation assumptions
- Your base plan: ₹19,00,000 contributed, including your initial amount.
- Lower returns: ₹19,00,000 contributed, including your initial amount.
- Higher goal cost: ₹19,00,000 contributed, including your initial amount.
- Six-month SIP pause: ₹18,40,000 contributed, including your initial amount.
- All three together: ₹18,40,000 contributed, including your initial amount.
Monthly contributions at the beginning of each month. Effective annual return converted to a monthly rate. Goal inflation compounds annually. The pause skips six contributions; existing money continues to compound. No catch-up payment. Lower return is 7% in its scenarios. Rates are constant assumptions, not market paths or probabilities. Taxes and exit loads excluded; use returns after ongoing fund expenses.
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Why stress-test a SIP goal?
A traditional SIP calculator illustrates a single set of assumptions. This comparison changes one assumption at a time, then combines the setbacks. It makes the effect of a higher future goal cost or a contribution break visible without pretending to predict the market.
For a zero-return example, ₹10,000 monthly for 10 years contributes ₹12 lakh. A six-month pause reduces contributions to ₹11.4 lakh. With non-zero returns, the result also depends on when the pause occurs. Adjusting a contribution or timeline is usually a more useful planning conversation than assuming a return high enough to close a gap.
Actual markets rise and fall, and the sequence of returns matters. These constant-rate illustrations do not capture that sequence or assign a probability of success.
Read: planning an education goalEducational tools only. Review assumptions and your complete circumstances before making decisions. Read disclosures.