Quick Summary: SIP Opportunity Cost

The SIP Opportunity Cost Calculator demonstrates that 'time in the market' almost always beats 'timing the market'. Waiting for a 10% or 15% dip to start your SIP often results in a significantly smaller final corpus, as the market may rise 20% while you wait, making your 'discounted' entry price still higher than today's price. This tool quantifies the exact wealth lost by sitting on cash in India.

How to use the SIP Opportunity Cost

  1. Enter Monthly SIP

    Input the amount you plan to invest regularly (e.g., ₹20,000).

  2. Set Idle Period

    Specify how many months you might wait for a market correction.

  3. Input Growth Assumptions

    Enter the expected annual return for the fund and the return on idle cash (e.g., savings bank rate).

  4. Analyze Lost Wealth

    Review the total corpus difference to see the true cost of market timing.

Related Calculators

SIP Delay Cost Calculator
SIP Calculator
Lumpsum Calculator
SIP vs Lumpsum Comparator

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.