What is the 'Cost of Waiting' in SIP?

It is the difference between the maturity value of an investment started today versus one started after a delay. Because compounding works exponentially, missing the initial periods significantly reduces the final corpus.

How much does a 1-year delay cost in a SIP?

For a ₹10,000 SIP at 12% returns over 20 years, a 1-year delay can cost you approximately ₹10-12 Lakhs in lost wealth.

Is it better to start a small SIP now or a large SIP later?

Starting small now is almost always better than starting large later. 'Time in the market' is more critical than the 'amount' due to the way compound interest scales over time.

SIP Delay Cost Calculator

See the exact financial cost of delaying your SIP investments by months or years.

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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.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

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.