Market-Cycle SIP Calculator

Classify market conditions using a 10-year range or 200-DMA distance, calculate your recommended dynamic SIP, optimize asset allocation across ETF baskets, and model long-term compounding.

1. Where's the market right now?

Input index parameters based on the 10-year high/low range and link against Nifty 50 200-DMA benchmarks.

2. Your Recommended SIP This Month

Base SIP scales up automatically during deep corrections/bear phases and scales down near market peaks.

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3. Suggested ETF Allocation Split

Large-cap ballast (NIFTYBEES) balances risk, while mid/small-cap allocations scale up dynamically when valuations dip.

Asset ClassSuggested ETF / IndexExpense Ratio
Large CapNIFTYBEES (Nifty 50)~0.05%
Mid CapMID150BEES (Nifty Midcap 150)~0.21%
Small CapHDFCSML250 (Nifty Smallcap 250)~0.20% – 0.25%

4. Long-Term Wealth Impact: Flat vs Dynamic SIP

Simulate corpus accumulation comparing disciplined flat contributions against cycle-weighted dynamic allocations.

Flat SIP Corpus Dynamic SIP Corpus
Flat SIP Total—
Dynamic SIP Total—
Alpha Generated—