Cost of Delay Calculator: The Price of Waiting to Invest

Putting off investing by even a few years can cost a fortune. This calculator shows exactly how much delay costs you.

What is it?

The cost of delay is the corpus you lose by starting later, because the early years are when compounding has the most time to work.

How is it calculated?

It compares the future value of starting now versus starting after a delay, keeping the monthly amount and return the same.

Example

Delaying a ₹10,000 SIP by just 5 years (over a 25-year horizon at 12%) can mean tens of lakhs less at the end.

Key things to know

• The first years of investing are the most valuable.
• Start small now rather than waiting to start big.
• Delay costs more the longer your horizon.
• Automate so you never postpone.

What to do next

The best time to start was years ago; the next best is today.

[Place your affiliate / referral link here]

Frequently asked questions

Why does delay cost so much?
Because the earliest contributions compound the longest.

Is a small early SIP better than a big late one?
Often yes, over long horizons.

How do I make up for lost time?
Invest more and use step-ups, though it rarely fully compensates.

Disclaimer: This article is for general information only and is not financial or tax advice. Consult a qualified advisor before making investment or tax decisions.