Cost of Delay Calculator: what waiting to start a SIP can cost
Time is the most powerful input in investing. This calculator compares starting a SIP now with starting a few years later while aiming at the same end date, and shows how much the final value differs.
How it is calculated
Both SIPs use the future value formula. The delayed SIP has fewer months to grow, so the gap is the cost of waiting.
Worked example
A SIP of ₹10,000 a month for 25 years at an assumed 12% grows to about ₹1,89,76,351. Starting 5 years later gives about ₹99,91,479, a difference of about ₹89,84,872.
Frequently asked questions
Can I catch up by investing more later?
You can, but you need a larger monthly amount to reach the same goal. The goal planner shows how much more.
Are the results guaranteed?
No. They depend on the assumed return, which is only an illustration.
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