Cost of delay · free, no sign-up
What does waiting to start a SIP really cost?
Delay does not only skip a few instalments. Those instalments also lose the years in which they would have compounded. This calculator puts that gap in rupees.
Change the inputs
Cost-of-delay clock
Makes the lost compounding visible in rupees without asking AI to do the maths.
Transparent formulas. Estimates are education, not promises or insurance advice.
Your result
₹The missed amount is not only the SIPs you skipped. Those skipped SIPs also lose years in which they could have compounded.
Save it in RupaylogyHow this calculator works
- It compares two SIPs of the same monthly amount and the same end date: one that starts today and one that starts after the delay you choose.
- Both use monthly compounding at the expected return you enter. The difference between the two end values is the cost of waiting.
- The gap is usually many times the instalments you skipped, because the earliest money compounds the longest.
A worked example
₹20,000 a month for 20 years at an assumed 11% could grow to about ₹1.75 crore. Starting two years later, with the same end date, gives about ₹1.36 crore. Skipping ₹4.8 lakh of SIPs costs roughly ₹39 lakh.
Questions people ask
Should I wait for the market to fall before starting a SIP?
Nobody can time the fall reliably. A SIP buys at many prices over time, and this calculator shows how much waiting can cost if the fall never comes.
Can I make up for a late start?
Yes, by investing a bigger monthly amount or staying invested longer. Use the goal SIP calculator to find the monthly amount that closes the gap.
SIP shuru karne mein der karne se kitna nuksaan hota hai?
Jo SIP aapne miss kiye, sirf wahi nahi jaate. Un paison ko jitne saal compound hona tha, woh saal bhi chale jaate hain. Isliye nuksaan aksar miss kiye gaye amount se kai guna hota hai.
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