Cost of Delay Calculator
See how procrastination destroys wealth through lost compounding
Configure Your SIP
How many years you delay starting your SIP
Results
Portfolio Growth by Delay Scenario
How delaying your SIP by 1, 3, 5, or 10 years impacts long-term wealth
Final Corpus Comparison
Final portfolio value for each delay scenario after 25 years
Cost of Delay Breakdown
How each year of delay impacts your wealth at 12% annual return
| Delay | Years Invested | Total Invested | Final Corpus | Cost of Delay | Cost / Day |
|---|---|---|---|---|---|
No Delay | 25 yrs | ₹30.00 L | ₹1.90 Cr | — | — |
1 Year | 24 yrs | ₹28.80 L | ₹1.67 Cr | ₹22.49 L | ₹6,163 |
3 Years | 22 yrs | ₹26.40 L | ₹1.30 Cr | ₹60.17 L | ₹5,495 |
5 Years | 20 yrs | ₹24.00 L | ₹99.91 L | ₹89.85 L | ₹4,923 |
10 Years | 15 yrs | ₹18.00 L | ₹50.46 L | ₹1.39 Cr | ₹3,817 |
To achieve the same corpus of ₹1.90 Cr in 20 years, you would need to invest ₹18,993/month instead of ₹10,000/month — that's 90% more!
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
Related Calculators
Explore more tools that pair well with this one
SIP Future Value Calculator
Calculate how much your monthly SIP will grow over time with the power of compounding.
Step-Up SIP Calculator
Model the impact of increasing your SIP amount annually. Compare regular vs step-up SIP.
Goal-Based SIP Calculator
Find the exact monthly SIP for your goal. 3-scenario analysis included.
Inflation-Adjusted SIP
See the real value of your SIP after accounting for inflation over time.
Income Tax Calculator
Compare Old vs New tax regime with FY 2026-27 slabs and HRA exemption.