How to use this calculator?
Suppose you plan to invest ₹10,000 every month for 20 years at an expected return of 12% per annum. But you delay starting your SIP by 3 years. Enter the following:
- Monthly SIP: ₹10,000
- Total Investment Period: 20 years
- Delay in Starting SIP: 3 years
- Expected Annual Return: 12%
The calculator will show two results — one if you had started on time, and one with the delay. It highlights how much wealth you lose due to postponing your investment.
This is a useful tool to understand the **cost of delaying** investments and encourages early financial discipline.
SIP Delay calculator
This calculator compares the wealth created if you start a SIP immediately versus if you delay it by a few years. It shows the difference in final corpus, helping you realize the long-term impact of procrastination in investing.
Formula used in this Calculator? With explanation
The calculator uses the standard future value of SIP formula, calculated twice — once for the full duration and once for the shortened duration due to delay:
FV = P × [ (1 + r)n – 1 ] × (1 + r) / r
- FV = Future Value of SIP
- P = Monthly SIP amount
- r = Monthly rate of return (annual rate / 12 / 100)
- n = Number of months (for both scenarios)
Wealth Lost = Future Value (No Delay) – Future Value (With Delay)
This direct comparison helps investors understand why it’s important to start early, even with smaller amounts.
Understanding the benefits:
The SIP Delay calculator highlights the power of starting early. Even a small delay in starting your monthly investments can cost you lakhs of rupees in the long run — due to the lost compounding opportunity.
This tool is especially helpful for young investors or those who are waiting for the “perfect time” to begin. It shows that **starting now** — even with a modest amount — is far better than delaying for later.
Whether your goal is retirement, buying a house, or building a safety net, the earlier you start, the more time your money has to grow.
Delays in investing can cost more than you imagine. Use this calculator as motivation, and always consult a financial expert to plan your SIPs in alignment with your goals.
Disclaimer:
“This article is for educational purposes only. Read our full disclaimer .”