Cost of Delaying SIP Calculator
Every year you wait to start your mutual fund SIP costs you lakhs in compounding gains. Find out your exact opportunity loss.
₹33.84 Lakhs
₹99.91 Lakhs
₹66.07 Lakhs
You only saved ₹3.6 Lakhs in missed installments, but lost ₹30.24 Lakhs purely in forfeited compounding power!
Don't Wait Another Day
Start compounding your wealth right now. Even ₹1,000/month today beats ₹5,000/month tomorrow.
Frequently Asked Questions
Why does delaying an SIP cost so much money?
Compounding works exponentially in the final years of an investment horizon. When you delay your SIP by even 2 or 3 years, you don't just miss a few monthly contributions—you lose the exponential snowball effect that those early investments would have generated over the final decade.
How much wealth do I lose by delaying a ₹10,000 SIP for 3 years?
If you invest ₹10,000/month for 20 years at 12%, your wealth reaches ₹99.91 Lakhs. If you delay by 3 years and invest for 17 years, your corpus only reaches ₹66.07 Lakhs. Waiting 3 years costs you a staggering ₹33.84 Lakhs in lost wealth!
Should I wait for market corrections before starting an SIP?
No. Trying to time the market before starting an SIP is statistically counterproductive. SIP automatically averages market fluctuations through Rupee Cost Averaging. The cost of sitting in cash waiting for a dip is almost always far greater than any minor discount you might get.