Cost of Delay
Calculator
Compare the corpus you'd build by starting an SIP today against starting the same SIP a few years from now — the gap is the real cost of waiting.
What Waiting Costs You
₹49,45,719
Figures are illustrative estimates based on the assumed rate of return, not a guarantee of actual performance. Mutual fund investments are subject to market risk.
The best time to start was yesterday — the next best is today.
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Every year an SIP is delayed isn't just a year of missed contributions — it's a year of missed compounding on every contribution that follows too. Because compounding accelerates over time, the years closest to your goal contribute far less growth than the years furthest from it, which is exactly what a delay costs you.
This calculator holds the monthly amount and expected return constant and only changes the start date, so the gap between the two final numbers is purely the price of waiting — a concrete way to see why "I'll start next year" is rarely as harmless as it feels.