Enter your SIP amount, return, original tenure and when you plan to stop. This SIP stoppage impact calculator shows what stopping early costs, whether you leave the money invested or withdraw it.
SIP Stoppage Impact Calculator
Compare continuing your SIP with stopping it partway through.
Both paths are measured on the same original goal date, so the comparison is fair.
Your comparison in detail
| Item | Continue | Stop |
|---|
Cost of stopping at different points
| Stop after | Corpus if you stop | Cost of stopping |
|---|
Illustrative estimates only. Actual returns vary with the market.
Stop a ₹10,000 SIP after just 5 years of a 20-year plan, and even if you leave the money invested and never touch it again, you still end up with about ₹50,45,760 less than if you had carried on. A SIP stoppage impact calculator puts a number on what pausing actually costs.
How do you use this SIP stoppage impact calculator in 3 steps?
- Enter your monthly SIP, the return you expect, and the original tenure you had planned.
- Enter how many years in you plan to stop contributing.
- Choose whether the money already built up stays invested or gets withdrawn into something safer, then read the cost of stopping.
The Stock Charcha SIP stoppage impact calculator separates two very different decisions: stopping new contributions, and pulling the existing money out entirely. Use Copy result to save a summary.
How does the SIP stoppage impact calculator measure the cost?
Both paths are compared on the same original goal date, so the comparison is fair. The SIP runs normally up to your stopping point, then the two paths split.
If you continue: the SIP keeps running at the same return, all the way to the goal date
If you stop: the corpus built so far either stays invested at the same return, or is withdrawn and grows at a lower rate instead
The cost of stopping is simply the gap between the two final numbers. It is not what you “lose”, since nothing is taken away, it is the gap between what you planned for and what stopping actually leaves you with.
What does a worked example look like?
Take a ₹10,000 SIP at an illustrative 12%, a 20-year original plan, stopping after 5 years and leaving the corpus invested. These figures are illustrative.
| Item | Continue | Stop |
|---|---|---|
| Total invested | ₹24,00,000 | ₹6,00,000 |
| Months of contribution | 240 | 60 |
| Corpus at year 5 | ₹8,24,864 | ₹8,24,864 |
| Final corpus at the goal date | ₹99,91,479 | ₹49,45,719 |
Both paths start from the same ₹8,24,864 at year 5. From there, 15 more years of fresh ₹10,000 instalments does far more than 15 more years of the existing corpus compounding alone.
How does the timing of stopping change the cost?
The earlier you stop, the more of the compounding curve you give up. Here is the same SIP, left invested, stopped at different points.
| Stop after | Corpus if you stop | Cost of stopping | Cost as a share of the full plan |
|---|---|---|---|
| 2 years | ₹23,37,087 | ₹76,54,392 | 76.6% |
| 5 years | ₹49,45,719 | ₹50,45,760 | 50.5% |
| 10 years | ₹76,68,088 | ₹23,23,391 | 23.3% |
| 15 years | ₹91,66,616 | ₹8,24,864 | 8.3% |
Stopping at year 2 gives up about 77% of the full corpus. Stopping at year 15, with only 5 years left, gives up about 8%. Stock Charcha’s SIP stoppage impact calculator shows this curve for your own numbers, not just this example.
Does withdrawing the money make the cost bigger?
Yes, usually by a wide margin. Withdraw the ₹8,24,864 built up by year 5 and park it at an illustrative 6%, instead of leaving it invested at 12%, and the final corpus falls to about ₹20,24,293, against ₹49,45,719 if left invested.
The gap between those two numbers, about ₹29,21,426 here, is the cost of withdrawing on top of the cost of stopping. Leaving the existing money invested, even while adding nothing new, is almost always the gentler of the two choices.
What does this SIP stoppage impact calculator leave out?
It does not deduct the fund’s expense ratio, so enter a net return. It also ignores capital gains tax and inflation, and real SIPs do not grow in a straight line. Check current tax rules on the Income Tax Department website before relying on a withdrawal figure.
It assumes the stopped SIP’s existing corpus is not touched again, which real life does not always allow. For fund data, use AMFI. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Where should you go after using the SIP stoppage impact calculator?
If a smaller SIP is more sustainable than stopping entirely, try our step-up SIP calculator to see how a smaller start still grows. If you have not started yet, the SIP delay calculator shows the cost of waiting instead of stopping.
For a goal-specific target, use the goal-based SIP calculator. Before you pause an existing SIP, run the Stock Charcha SIP stoppage impact calculator with your real numbers first.
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Last updated: 3 October 2026. This page uses no rates, slabs or charges, so the maths stays the same until the method changes.
Founder of Stock Charcha. Stock market enthusiast, actively investing since November 2022. About the author
Educational content only. This page is not personalised financial advice. Please do your own research or speak to a SEBI-registered adviser before investing, and read our disclaimer.
Frequently asked questions
Should I stop my SIP during a market downturn?
A downturn is usually when a SIP does its best work, since the same instalment buys more units at a lower price. Stopping during a fall locks in the dip instead of riding through it. If cash flow is the real issue, reducing the amount can be gentler than stopping entirely.
Is it better to pause a SIP or stop it completely?
A pause for a month or two, if your platform supports it, behaves like a short stoppage and the SIP stoppage impact calculator can estimate that too, using a short stopping period close to zero. A full stop usually means restarting the whole decision later.
Does leaving the corpus invested always beat withdrawing it?
In this model, yes, whenever the return on staying invested is higher than the return on wherever the withdrawn money goes. If you need the money for a genuine emergency, that need matters more than the comparison, so withdrawing can still be the right call.
How much does stopping a SIP in the last few years before the goal cost?
Much less than stopping early, because there is less time left for the gap to compound. The calculator’s year-by-year table shows this curve, and stopping with only a year or two left usually costs a small fraction of the full corpus.
Can I use this calculator if I plan to restart the SIP later?
Not directly. It assumes the SIP stops and is not restarted before the goal date. If you plan to restart after a break, treat the break as a shorter stoppage and rerun the SIP stoppage impact calculator with that shorter gap.