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Enter the SIP you intend to start, the return you expect and when you need the money. See the corpus you forfeit for every month you wait, and the larger instalment it would take to still land on the same number.
Drag a slider or type a value.
“Next month”, “after the bonus”, “once the loan closes” — pick the wait you are actually considering.
Raise the instalment with your income each year
You would give up
₹12,38,225
≈ ₹12.4L · 12% of the corpus you could have had
Same ₹10,000 SIP, same 12% return, same target date — only the start moves. Tap a bar to load that delay.
Cost of the same 1 year delay across return assumptions. A higher return makes waiting more expensive, not less.
A delay feels like it removes instalments from the front of the plan, where they are small and forgettable. Mathematically it does the opposite: it removes them from the far end of the compounding curve. Your first instalment is the only one that gets the full horizon to grow — in a 20-year plan at 12%, one rupee invested in month one becomes about ₹10.9, while a rupee invested in the final year barely grows at all.
So the months you postpone are the most valuable months you will ever invest. That is why skipping ₹1.2 lakh of instalments can cost ₹13 lakh of corpus, and why the catch-up instalment rises far faster than the length of the delay.
P — monthly instalment
i — monthly return (annual ÷ 12 ÷ 100)
n — instalments if you start today
d — months of delay; the target date does not move, so you simply make fewer instalments
Each is reasonable. Each has a price on this page. Tap one to load the delay it usually implies.
At your current assumptions — 12% return over 20 years — here is what twelve months of waiting removes from the corpus.
Illustrative. Mutual fund returns are not assured and vary with the fund and market cycle.
A SIP delay calculator shows how much wealth you lose by postponing your Systematic Investment Plan. It compares the maturity corpus if you start your SIP today against the smaller corpus you would build if you delay starting by a few months or years, keeping the same monthly amount and target end date. The gap between the two is your 'cost of delay'.