SIP Delay Calculator
Understand the cost of delaying your investments and how to recover
₹
20 years
1 yr 0 mo
12%
Results
Cost of Delaying 12 Months
₹12.38 L
That's 12.4% of your potential wealth lost!
Without Delay
₹99.91 L
20 years of SIP
With Delay
₹87.53 L
19.0 years of SIP
Recovery Plan
To still achieve ₹99.91 L despite the 12-month delay:
Increase your SIP to
₹11,415/month
(+14% or ₹1,415 extra)
Visual Comparison
Without Delay₹99.91 L
With 12 Month Delay₹87.53 L
Delay Scenarios Comparison
| Delay | Final Value | Loss | Extra SIP/Month |
|---|---|---|---|
| No Delay | ₹99.91 L | - | - |
| 6 months | ₹87.53 L | ₹12.38 L | +₹682 |
| 12 months | ₹87.53 L | ₹12.38 L | +₹1,415 |
| 24 months | ₹76.54 L | ₹23.37 L | +₹3,053 |
| 36 months | ₹66.79 L | ₹33.12 L | +₹4,959 |
| 60 months | ₹50.46 L | ₹49.46 L | +₹9,802 |
💡 Key Insight
Time in the market beats timing the market. Every month of delay costs you approximately ₹1.03 L in potential wealth. The best time to start investing was yesterday. The second best time is today!
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