Cost of Delay SIP Calculator
Compare starting a SIP now versus starting later and estimate the corpus gap from missed installments and lost compounding time.
Tax year 2026 - Updated June 2026
SIP delay inputs
Estimated cost of delay
₹49,45,719
Delaying by 5 years leaves 15 investing years in a 20-year goal period.
Start now corpus
₹99,91,479
Delayed corpus
₹50,45,760
Gap
49.5%
Missed invested amount
₹6,00,000
Lost compounding estimate
₹43,45,719
Monthly rate used
1.000%
Starting now vs delayed start
Year-by-year estimated corpus for starting now compared with starting after the delay period.
Start nowDelayed startFinal: ₹99,91,479
Year-by-year delay gap
| Year | Start now corpus | Delayed corpus | Cost of delay | Extra invested |
|---|---|---|---|---|
| Year 1 | ₹1,28,093 | ₹0 | ₹1,28,093 | ₹1,20,000 |
| Year 2 | ₹2,72,432 | ₹0 | ₹2,72,432 | ₹2,40,000 |
| Year 3 | ₹4,35,076 | ₹0 | ₹4,35,076 | ₹3,60,000 |
| Year 4 | ₹6,18,348 | ₹0 | ₹6,18,348 | ₹4,80,000 |
| Year 5 | ₹8,24,864 | ₹0 | ₹8,24,864 | ₹6,00,000 |
| Year 6 | ₹10,57,570 | ₹1,28,093 | ₹9,29,477 | ₹6,00,000 |
| Year 7 | ₹13,19,790 | ₹2,72,432 | ₹10,47,358 | ₹6,00,000 |
| Year 8 | ₹16,15,266 | ₹4,35,076 | ₹11,80,189 | ₹6,00,000 |
| Year 9 | ₹19,48,215 | ₹6,18,348 | ₹13,29,867 | ₹6,00,000 |
| Year 10 | ₹23,23,391 | ₹8,24,864 | ₹14,98,527 | ₹6,00,000 |
| Year 11 | ₹27,46,148 | ₹10,57,570 | ₹16,88,578 | ₹6,00,000 |
| Year 12 | ₹32,22,522 | ₹13,19,790 | ₹19,02,732 | ₹6,00,000 |
| Year 13 | ₹37,59,311 | ₹16,15,266 | ₹21,44,046 | ₹6,00,000 |
| Year 14 | ₹43,64,180 | ₹19,48,215 | ₹24,15,964 | ₹6,00,000 |
| Year 15 | ₹50,45,760 | ₹23,23,391 | ₹27,22,369 | ₹6,00,000 |
| Year 16 | ₹58,13,782 | ₹27,46,148 | ₹30,67,634 | ₹6,00,000 |
| Year 17 | ₹66,79,208 | ₹32,22,522 | ₹34,56,687 | ₹6,00,000 |
| Year 18 | ₹76,54,392 | ₹37,59,311 | ₹38,95,081 | ₹6,00,000 |
| Year 19 | ₹87,53,254 | ₹43,64,180 | ₹43,89,075 | ₹6,00,000 |
| Year 20 | ₹99,91,479 | ₹50,45,760 | ₹49,45,719 | ₹6,00,000 |
Formula used
- Start-now corpus = SIP future value for the full goal duration.
- Delayed-start corpus = SIP future value for goal duration minus delay years.
- Cost of delay = start-now corpus - delayed-start corpus.
- Missed invested amount = monthly SIP x delay years x 12.
- Lost compounding estimate = cost of delay - missed invested amount.
- SIP future value = P x [((1 + r)^n - 1) / r] x (1 + r), where P is monthly SIP, r is monthly rate, and n is total months.
Related calculators and guides
SIP Calculators Hub
Compare SIP delay cost with SIP, Goal SIP, and Step-Up SIP tools.
SIP Comparison Calculator
Compare delayed SIP timing with other SIP scenarios.
SIP Calculator
Estimate the full-duration SIP corpus by itself.
Step-Up SIP Calculator
See whether annual SIP increases can reduce the delay impact.
GuideCost of Delay SIP Guide
Read how starting late affects invested amount and compounding.
Visual guide
Related Web Stories
Assumptions
- Assumes the same monthly SIP amount in both start-now and delayed-start scenarios.
- Expected annual return is fixed and compounded monthly.
- Delay years reduce the investing duration within the same goal period.
- Results are estimates and do not include taxes, expense ratios, exit loads, missed installments, or market volatility.
Disclaimer
The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.
This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.