SIP Delay Calculator
Find out what waiting a few months to start could cost you.
- Value if you start today
- ₹99,91,479
- ₹99.91 lakh
- Value if you start after 1 year
- ₹87,53,254
- ₹87.53 lakh
- Cost of the delay
- ₹12,38,225
- ₹12.38 lakh
- Less invested because of the delay
- ₹1,20,000
- ₹1.2 lakh
| Scenario | Amount invested | Estimated value |
|---|---|---|
| Start today | ₹24,00,000 | ₹99,91,479 |
| Start after 1 year | ₹22,80,000 | ₹87,53,254 |
Illustrative purposes only. Returns are assumed and not guaranteed. This is not investment advice.
How this calculator works
This calculator compares two people who need their money on the same date: one starts a SIP today, the other waits a number of months before starting.
Both scenarios use the standard SIP formula. The difference between the two final values is the cost of the delay — it is usually far larger than the instalments that were skipped, because those early instalments had the longest time to grow.
Illustrative purposes only. Returns are assumed and not guaranteed. This is not investment advice.
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