How is SIP maturity calculated?

SIP maturity is calculated using the future value of an annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly SIP amount, i is the monthly interest rate (annual rate / 12 / 100), and n is the total number of months (years × 12).

What is a good monthly SIP amount?

A good starting SIP amount is 20% of your post-tax monthly income. Use SIPfy's SIP Goal Planner to find the exact monthly SIP needed to reach any target corpus by your goal year.

Home/Calculators/SIP Pause & Resume Calculator

SIP Strategy

SIP Pause & Resume Calculator — the cost of pausing your SIP

See exactly how much pausing your SIP for 3, 6, or 12 months costs your final corpus. Compare no-pause vs with-pause scenarios with a year-by-year breakdown and side-by-side chart.

Calculator Inputs

Monthly SIP

₹

₹500₹200,000

Expected annual return

125%

Total SIP tenure

540%

Pause starts in year

120%

Pause duration (months)

124%

💡 Tip: Use the sliders for quick adjustments, or type exact numbers in the input fields for precise calculations.

Result 1

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Result 2
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Result 3

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Visualization

Year-by-Year Breakdown

What happens if I pause my SIP?

The cost

Pausing your SIP has a cost: the skipped instalments don't compound for the remaining tenure, reducing your final corpus. The impact depends on when you pause and for how long.

When to pause vs reduce

Pause if you have a short-term, identifiable cash-flow crunch (1–6 months). Reduce the SIP amount if your income has permanently decreased. Continue if at all possible.

The takeaway

The best SIP is the one that keeps running. If you must pause, pause for the shortest period necessary and resume immediately. The compounding clock is the most valuable asset you have.

The best SIP calculator is the one you actually use. Run the numbers, understand the math, and start investing today.

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