Waiting one year
₹10,000 a month for 20 years at 12% builds ₹99.91 lakh. Starting a year later builds ₹87.53 lakh, a cost of ₹12.38 lakh. To catch up you would need ₹11,415 a month.
SIP delay cost calculator
10 thousand
%
months
Cost of waiting
₹12,38,225
To catch up you would need ₹11,415 a month.
- Start now
- ₹99,91,479
- Start later
- ₹87,53,254
Why the last years matter most
A delay removes the earliest instalments, which have the most time to grow. Plan the target with the goal SIP calculator.
Sources
What this calculator does not account for
- Returns are not fixed. Real markets go up and down, so the actual result can be higher or lower.
- Fees, expense ratios, stamp duty or exit loads, unless you enter them.
- Missed or paused instalments during the plan.
How this is calculated
Formula: Two SIPs, one end date
cost =FV(n months) − FV(n − delay months)What the symbols mean
- FVSIP future value at the start of each month.
- catch-up SIPSIP × FV(now) ÷ FV(late): what the late plan needs to match.
Good to know
- The cost grows with the return: the months you skip are the ones that compound longest.
Read the full methodologyFound an error? Contact us
Worked examples
Each example is worked out by the same code as the calculator above.
Waiting five years
With 15 years left the plan builds ₹50.46 lakh, ₹49.46 lakh less than starting now.
Embed this calculator
The frame shows the tool only.
<iframe src="/embed/sip-delay-cost" title="SIP delay cost" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
What does a 1-year delay cost on ₹10,000 a month?
With 20 years to the goal at 12%, starting now builds about ₹99.9 lakh. Starting a year later builds about ₹87.5 lakh, so the delay costs about ₹12.4 lakh. Catching up needs about ₹11,415 a month.
Can I make it up later?
Yes, with a larger SIP. The page shows the catch-up amount.