SIP DELAY COST
SIP Delay Cost Calculator
Understand the real cost of delaying your SIP start — see how even a few years can cost lakhs.
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WHY USE THIS CALCULATOR
Every Month Counts. See the Cost of Waiting.
Monthly Investment (₹)
The amount you invest monthly via SIP. This stays constant — the calculator compares the same amount invested now vs. after a delay to show the cost of waiting.
Investment Period (Years)
Your total investment horizon. The longer the period, the more dramatic the cost of delay — compounding lost at the end of a 20-year SIP is far greater than at the end of a 5-year one.
Expected Rate of Return (% p.a.)
The annualized return you expect. Higher returns amplify the cost of delay — at 12%, a 1-year delay costs more in lost compounding than at 8%.
Delay in Starting SIP (Months)
How many months you postpone starting your SIP. Even a 12-month delay can cost lakhs over a 20-year period — this is the key input that shows the price of procrastination.