The cost of waiting
Everyone knows they should start earlier. Very few people have seen the number attached to not doing so.
Starting today
₹99.91 L
Starting in 5 yrs
₹50.46 L
Waiting costs you
₹49.46 L
Putting off a ₹10,000 SIP by 5 years costs ₹49.46 L by year 20. To recover it you would need to invest about ₹19,802 a month instead — ₹9.8 K more every month, for the rest of the period.
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This calculator is an illustration based on the rate of return you selected. It is not a projection or a guarantee. Mutual fund returns are not fixed and vary with market conditions. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How this is calculated
Both paths invest the same amount every month at the same assumed rate. The only difference is when they begin — and the finish line stays fixed.
The gap is not the contributions you skipped. It is the compounding those early contributions would have earned over the whole remaining period, which is why the shortfall is so much larger than the amount not invested.