SIP timing

Cost of Delay

Starting a SIP later can reduce both invested amount and compounding time.

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Start now

20 years working

Rs 10,000 monthly for 20 years at 12% estimates near Rs 1 crore.

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Delay 5 years

15 years working

The same SIP for 15 years estimates near Rs 50 lakh at the same assumption.

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Estimated gap

Around Rs 50 lakh

The gap is not just missed SIPs. It also includes lost compounding time.

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Calculator

Compare timing

Use PaySliceCalc to compare SIP amount, return, duration, and delayed-start scenarios.

Compare SIP timing

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