Smart Investing Tool

Dynamic SIP Calculator

Invest more when markets dip, less when they peak. Let market conditions intelligently scale your monthly SIP contribution.

📐 The Formula
Monthly SIP = Base SIP × Multiplier(d)
Where Multiplier(d) = 1 + (Sensitivity × d / 100)
d = market deviation from reference point (negative = dip, positive = rally)
Capped between 0.5× (extreme rally) and 2.5× (deep crash)
When market -20%
Multiplier rises → invest more
When market flat (0%)
Multiplier = 1.0 → base SIP
When market +20%
Multiplier drops → invest less
Sensitivity knob
Controls how aggressively you respond to swings
PKR
0%
−50% deep crash+50% peak rally
2.0×
0.5 conservative4.0 aggressive
Used to measure market deviation
This Month's Recommended SIP
— Neutral Market
Recommended SIP
PKR 10,000
Same as base
Multiplier
1.00×
Neutral
Extra / Saved vs Base
PKR 0
Annually: PKR 0
Investment Intensity
0.5× Min1.0× Base2.5× Max
💡 Market Signal Market is at average. Stick to your base SIP. No adjustment needed.
📊 Scenario Breakdown — Your Personalised Tier Map
Market Condition
Deviation
Multiplier
Monthly SIP
🔴 Deep Crash
−40% to −50%
—
—
🟠 Significant Dip
−20% to −40%
—
—
🟡 Slight Pullback
−5% to −20%
—
—
🔵 Neutral / Flat
−5% to +5%
1.00×
—
🟢 Moderate Rally
+5% to +20%
—
—
⚪ Peak / Overheated
> +20%
—
—
This tool is for educational purposes only and does not constitute financial advice.
Dynamic SIP works best as part of a long-term, disciplined investing strategy. Past market patterns don't guarantee future results.