Investments & Wealth
SIP Delayed Start Calculator
See the real cost of postponing your SIP — start now vs start later
SIP details
₹
%
yrs
yrs
Cost of delaying
₹0
wealth lost by waiting
How this calculator works
Both scenarios use the same monthly SIP and expected return. Start now invests for the full horizon. Delayed start waits, then invests for the remaining years. The difference at the end of the horizon is the cost of delay.
Cost of delay = Maturity (start now) − Maturity (start after delay)
Why use it
Detailed features
Time value of money
Visualise how compounding rewards starting early.
Side-by-side maturity
Compare start-now vs delayed-start maturity at the same end date.
Same SIP formula
Uses the standard compound SIP formula for both scenarios.
On the go
Also in the free Toolance Android app.
Frequently asked questions
Every month you wait is one less month of compounding. Starting later usually means a smaller corpus at the same target date unless you invest much more per month later.
You enter monthly SIP, return assumption, total years and how many months you plan to wait. It compares corpus if you start now versus after the delay.
If you are clearing high-interest debt or building an emergency fund, a short delay can make sense. Long delays for timing the market often hurt long-term wealth.
Sometimes a higher later SIP helps but may not fully match an early start because lost early compounding is hard to replace. Run both scenarios here to see the gap.
The math is the same. ELSS has a three-year lock-in; plan liquidity separately. Tax benefit under old regime sections is outside this calculator.
Use the same conservative assumption you would in a normal SIP calculator. Small changes in rate or delay months can shift the gap a lot.
No. They are illustrations on assumed returns. Markets vary. This is not investment advice.
Yes. No account needed. Adjust delay months and see the difference instantly.