SIP Delay Cost Calculator
Show wealth lost by delaying SIP.
SIP Delay Cost Calculator
Year by year
| Value | Delayed | |
|---|---|---|
| Year 0 | ₹0 | ₹0 |
| Year 1 | ₹1,28,093 | ₹0 |
| Year 2 | ₹2,72,432 | ₹0 |
| Year 3 | ₹4,35,076 | ₹0 |
| Year 4 | ₹6,18,348 | ₹1,28,093 |
| Year 5 | ₹8,24,864 | ₹2,72,432 |
| Year 6 | ₹10,57,570 | ₹4,35,076 |
| Year 7 | ₹13,19,790 | ₹6,18,348 |
| Year 8 | ₹16,15,266 | ₹8,24,864 |
| Year 9 | ₹19,48,215 | ₹10,57,570 |
| Year 10 | ₹23,23,391 | ₹13,19,790 |
| Year 11 | ₹27,46,148 | ₹16,15,266 |
| Year 12 | ₹32,22,522 | ₹19,48,215 |
| Year 13 | ₹37,59,311 | ₹23,23,391 |
| Year 14 | ₹43,64,180 | ₹27,46,148 |
| Year 15 | ₹50,45,760 | ₹32,22,522 |
Want Labdhi to check this number against your real situation?
Share the inputs and result with our team. We will call back with what changes once your risk profile, existing holdings and timeline are considered.
How this is worked out
The same SIP is projected twice — starting now, and starting after the delay with fewer years left. The difference is the cost of waiting.
About this calculator
Use this calculator to show wealth lost by delaying SIP. It works from SIP Amount, Total Horizon, Delay and Expected Return, so you can adjust inputs and immediately see how the outcome changes.
- Measure the opportunity cost of starting late.
- Compare starting now versus delaying contributions by a few years.
- Use it to show how time in the market affects goal achievement.
This calculator is an illustration based on the inputs you provide and the assumptions stated above. It is not a recommendation, a projection of actual returns, or a guarantee of any outcome. Actual results will differ. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Curious how this looks on your portfolio?
Our team can run these numbers against your real holdings, goals and timeline.