Cost of Waiting

What does waiting cost you?

The same SIP, started later, ends up dramatically smaller — because the early years compound the longest. See the price of delay in rupees.

Your plan

Monthly SIP ₹10,000

Invest until (years from today) 25 yrs

Your finish line — e.g. retirement

If you delay starting by 5 yrs

Expected return 12%

Assumed annual return — you choose; not a prediction

The cost of waiting

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Start today

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Start later

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Start today (gold) vs delayed (dashed)

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For general education and planning only. Uses the assumed return you choose and does not predict actual results. SIP returns are not guaranteed and are subject to market risk. Nothing here is investment advice or a recommendation to buy or sell any security or product.