SIP Delay Cost Calculator

What waiting to start your SIP really costs

Monthly SIP₹

Expected return rate (p.a)%

Total periodYr

Delay in startingYr

Corpus if you start now₹99,91,479

Corpus if you wait 3 yrs₹66,79,208

Cost of waiting₹33,12,271

Growth over time

Year-wise breakdown

Year	If you wait	Cost of waiting	Total
1	₹0	₹1,28,093	₹1,28,093
2	₹0	₹2,72,432	₹2,72,432
3	₹0	₹4,35,076	₹4,35,076
4	₹1,28,093	₹4,90,255	₹6,18,348
5	₹2,72,432	₹5,52,432	₹8,24,864
6	₹4,35,076	₹6,22,494	₹10,57,570
7	₹6,18,348	₹7,01,442	₹13,19,790
8	₹8,24,864	₹7,90,402	₹16,15,266
9	₹10,57,570	₹8,90,645	₹19,48,215
10	₹13,19,790	₹10,03,601	₹23,23,391
11	₹16,15,266	₹11,30,882	₹27,46,148
12	₹19,48,215	₹12,74,307	₹32,22,522
13	₹23,23,391	₹14,35,921	₹37,59,312
14	₹27,46,148	₹16,18,031	₹43,64,179
15	₹32,22,522	₹18,23,238	₹50,45,760
16	₹37,59,311	₹20,54,470	₹58,13,781
17	₹43,64,180	₹23,15,029	₹66,79,209
18	₹50,45,760	₹26,08,632	₹76,54,392
19	₹58,13,782	₹29,39,472	₹87,53,254
20	₹66,79,208	₹33,12,271	₹99,91,479

Results are estimates for illustration only and not financial advice. Actual returns vary.

About the SIP Delay Cost Calculator

Waiting to start a SIP feels harmless, but you lose the early years when compounding has the most time to work. This calculator shows how much a delay costs.

Enter your SIP, expected return, the total period and how many years you plan to wait.

Formula used

Cost of waiting = SIP corpus over the full period − SIP corpus over (period − delay), at the same monthly amount.

Frequently asked questions

Can I make up for a delay?

You can raise your SIP, invest for longer or add lump sums. Try the step-up SIP calculator.

Why is the cost so large?

The last few years of a SIP are where most growth happens, and a delay removes years of compounding.