₹
₹500₹5,00,000
%
1 %30 %
yrs
1 yrs40 yrs
mos
1 mos120 mos
Results
Cost of delay
₹12,38,225
Wealth lost by starting 1 yr late
- Corpus if you start today
- ₹99,91,479
- Corpus if you delay
- ₹87,53,254
- Extra invested by starting now
- ₹1,20,000
- Return on that extra investment
- ₹11.18 L
How this calculator works
Every month you postpone a SIP, you lose that instalment's longest compounding runway — the most valuable months are the earliest ones. This calculator compares starting today against starting after a delay, holding the end date fixed.
The difference is the real price of waiting, and it grows steeply with tenure and return.
Results are estimates for planning, not guarantees or tax/investment advice. For a plan built around your goals, talk to our advisors — the consultation is free.
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