Cost of Delay
What does starting late really cost?
About this calculator
Two investors put in the same monthly SIP at the same return. One starts today, the other waits. This tool shows the gap between them, and how much extra the late starter must invest every month to catch up.
Common questions
What is the cost of delaying a SIP?
It is the difference between what a SIP becomes if started today and what the same SIP becomes if started later.
Why is delay so costly?
Because compounding rewards time. The first years of growth feed all the later years.
Can I catch up by investing more?
Yes, but the extra monthly amount is much larger than the money you saved by waiting.
Illustration only. Returns are not guaranteed and this is not investment advice. Taxes, fund expenses and exit loads are not included unless stated.