Calculator
SIP Delay Calculator
The cheapest investment decision is starting today. See exactly what waiting costs you.
Your Plan
₹
₹500₹5,00,000
2 yrs40 yrs
%
1%20%
1 yr20 yrs
The Cost of Waiting
Start On Time — Future Value
₹0
Delayed — Future Value
₹0
Cost of Delay
₹0
Invested (On Time)
₹0
Invested (Delayed)
₹0
Why Delay Costs So Much
Compounding rewards time in the market. The first years of a SIP look unimpressive — but they’re the ones doing the most work in the final years, because those early rupees compound the longest.
An example: ₹10,000/month for 25 years at 12% ≈ ₹1.89 crore. Delay by just 5 years (20 years invested) and you end with ≈ ₹99 lakh — almost half. Five years of waiting cost nearly ₹90 lakh, even though you only saved ₹6 lakh in actual cash invested.
Start Today
Set Up Your First SIP — Or Optimise Your Existing One
The best day to start was 5 years ago. The second-best day is today.