Investment calculator
Cost of Delay Calculator
Compounding rewards time. This calculator compares investing from your chosen start date with starting after a delay, keeping the same end date.
Your details
Value if you start Nov 2026
₹99,91,479
Invested ₹24,00,000
Value if you start Nov 2028
₹76,54,392
Invested ₹21,60,000
Illustrative cost of delay
₹23,37,087
Monthly SIP needed to catch up
₹13,053
To reach ₹99,91,479 by Nov 2046
Both scenarios end on Nov 2046. A delay of 24 months reduces your estimated wealth by 23.4%.
Starting now vs starting later
Year-wise comparison
| Year | Start on time | Start later | Difference |
|---|---|---|---|
| Yr 1 | ₹1,28,093 | ₹0 | ₹1,28,093 |
| Yr 2 | ₹2,72,432 | ₹0 | ₹2,72,432 |
| Yr 3 | ₹4,35,076 | ₹1,28,093 | ₹3,06,983 |
| Yr 4 | ₹6,18,348 | ₹2,72,432 | ₹3,45,916 |
| Yr 5 | ₹8,24,864 | ₹4,35,076 | ₹3,89,788 |
| Yr 6 | ₹10,57,570 | ₹6,18,348 | ₹4,39,222 |
| Yr 7 | ₹13,19,790 | ₹8,24,864 | ₹4,94,926 |
| Yr 8 | ₹16,15,266 | ₹10,57,570 | ₹5,57,696 |
| Yr 9 | ₹19,48,215 | ₹13,19,790 | ₹6,28,425 |
| Yr 10 | ₹23,23,391 | ₹16,15,266 | ₹7,08,125 |
| Yr 11 | ₹27,46,148 | ₹19,48,215 | ₹7,97,933 |
| Yr 12 | ₹32,22,522 | ₹23,23,391 | ₹8,99,131 |
Formula used
- Value if started on time = SIP FV over n months
- Value if delayed = SIP FV over (n − delay) months
- Cost of delay = difference between the two
Assumptions
- Both scenarios end on the same date.
- Illustrative constant return; actual returns vary.
Scheme rates and rules as on: October–December 2026 quarter. You can change rates in the calculator.
Disclaimer
This calculator provides illustrative estimates only, based on the inputs and assumptions you enter. Results are not guaranteed, do not reflect the performance of any specific product, and do not consider taxes, charges or inflation unless stated. They are not investment advice. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
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