Quick Summary: SIP Delay Cost Calculator

The SIP Delay Cost Calculator quantifies the wealth lost by postponing your investment. In FY 2026-27, delaying a ₹10,000 monthly SIP by just one year can reduce your 25-year projected corpus by nearly ₹25-30L (at 12% CAGR), because you lose the most powerful compounding years at the end of your tenure.

How to use the SIP Delay Cost Calculator

  1. Set Monthly SIP Goal

    Input the amount you intend to invest every month (e.g., ₹10,000).

  2. Enter Potential Delay

    Specify how many months or years you might wait before starting (e.g., 6 months).

  3. Define Investment Tenure

    Select the total duration you plan to stay invested (e.g., 20 years).

  4. Review 'Cost of Waiting'

    Instantly see the difference in final wealth between starting today vs starting later.

Related Calculators

SIP Calculator
Step-Up SIP Calculator
SIP Opportunity Cost
Compound Interest Solver

Regulatory Disclaimer

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.