Effective Returns
Start Now vs Delayed
How the Cost of Delay Calculator works
Every year you wait to start investing is a year of compounding you can never get back. This tool compares two plans that both run until the same age: one where you start now and one where you start after a delay. Because the delayed plan runs for fewer years, it ends up with far less — and the difference is the true cost of waiting.
How it is computed
- P = monthly SIP i = monthly return (annual ÷ 12 ÷ 100)
- n = number of instalments — from your current age to your end age if you start now, or shortened by the delay if you wait
Worked example
Investing ₹10,000 a month at 12% from age 25 to age 60 grows to about ₹6,49,52,691. Delaying the start by 10 years (starting at 35 instead) cuts it to about ₹1,89,76,351 — a loss of ₹4,59,76,340. You would have skipped only ₹12,00,000 of contributions in those 10 years, yet you lose almost forty times that in final value, because the earliest instalments compound the longest. The chart shows the widening gap between starting now and delaying.
Things to keep in mind
- The cost of delay grows dramatically with the horizon — delaying hurts far more when you are young with decades ahead than close to your goal.
- Returns are not guaranteed; this compares both plans under the same assumed return, so it isolates the effect of timing alone.
- The takeaway: starting even a modest SIP today usually beats waiting to invest a larger amount later.
This calculator is provided for general illustrative and educational purposes only. The figures, projections, and graphs generated are indicative estimates based on standard compounding mathematics and user-supplied parameters — they do not constitute financial advice, tax guidance, or a guarantee of future returns. Actual returns from Mutual Funds, PMS, SIF, or fixed-income schemes depend on prevailing market fluctuations, macroeconomic factors, applicable expense ratios (TER), and taxation on redemption. True Investment Services (AMFI ARN-281405 | APMI APRN08615) is an AMFI-registered Mutual Fund Distributor dealing in Regular Plans only and earns trailing commissions on client investments. Option of Direct Plan is available to investors. Please read all Scheme Information Documents (SID/KIM) and consult our Certified Financial Planner (CFP) before executing investments.
