Cost of Delay Calculator

Every year you delay starting a SIP is a year of compounding you can never get back, even if you invest the same monthly amount once you do start. This calculator compares the future value of investing today for your full goal horizon against investing the same monthly amount for a shorter period, starting after the delay you choose — the difference is what waiting costs you. The figures shown are illustrative projections at a constant assumed rate of return — actual mutual fund returns fluctuate with markets, are never guaranteed, and this tool does not constitute investment advice.