Calculator
Cost Delay Calculator
Both scenarios finish on the same date. The only difference is when you start — and that difference is almost never small.
Your inputs
₹
₹500₹5.00 L
%
1%30%
yrs
2 yrs40 yrs
yrs
1 yrsBefore starting24 yrs
Cost of waiting 5 years₹1,79,69,743
- If you start today
- ₹3,79,52,702
- If you start in 5y
- ₹1,99,82,958
- Instalments never made
- ₹12,00,000
- Pure lost compounding
- ₹1,67,69,743
Where the loss comes from
Only ₹12.00 L of the shortfall is money you did not invest. The rest — ₹1.68 Cr — is return those early instalments would have earned, and no later contribution can replace it.
Total cost₹1.80 Cr
- Share of corpus given up
- 47.3%
- Cost per year delayed
- ₹35,93,949
Compares starting today against starting after the delay, with the end date held fixed. A delayed start cannot buy back the missing years.
Projections are illustrative and assume a constant rate of return. Actual returns vary and are not guaranteed. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.