All You Need To Know About Cost of Delay in SIP Calculator

What is the Cost of Delay in SIP Calculator?

We all want to invest “someday.”
Someday, when income increases.
Someday, when expenses reduce.
Someday, when life becomes a little easier.

But here’s the truth, most people realise too late –
Every year you delay your SIP, you lose more money than you can imagine.
Not because you didn’t invest enough, but because you started late and missed out on the benefit of compounding.

That’s exactly what this Cost of Delay Calculator shows you.
It’s not here to scare you– it is here to show the real cost of waiting, so you can make a confident decision today instead of regretting it 10 years later.

Why This Calculator Matters?

Let’s be honest, most of us underestimate time.
A delay of one year seems harmless–
“I’ll start next year when things are more settled…”

But compounding doesn’t work like that.

A delay of even 1 year in a long-term SIP can easily wipe out lakhs, even crores, of potential wealth.
And most people realise this only at the end, when there’s no time left to fix it.

This calculator helps you see, crystal clear:

How to Use the Cost of Delay Calculator?

It’s extremely simple- no formulas, no confusion, no maths.

You just enter:

1. Your SIP Amount
Example: ₹15,000 per month.

2. Expected Rate of Return
Example: 12% annually.

3. Your Investment Tenure
Example: 10 years.

4. Delay (in years)
Example: 1-year delay before starting investment.

Click “Calculate”.

And instantly you’ll see:

This shows you one thing:
Waiting costs money. Starting early rewards you.

Why Use This Calculator?

You might wonder–why do I need a special tool to tell me this?
Because this calculator helps you in ways your mind cannot:

1. Shows you REAL numbers
Not estimates, not guesses–actual compounding results.

2. Makes you aware of what you lose by postponing
Sometimes seeing the gap is enough to take action.

3. Helps you plan better
You can compare a 1-year delay vs a 2-year delay vs no delay.

4. Makes financial decisions easier
It converts something abstract into something real and measurable.

5. Encourages early investing
When you see the power of compounding, it hits differently.

How Does It Help You Plan Smarter?

Most people think investing more money is the key to wealth.
But smart investors know:

Time > Amount.

This calculator helps you:

It’s not just a calculator- it’s a mirror showing you what your future can look like.

Tips to Use It Well

1. Start Early (even if small)
A ₹2,000 SIP today beats a ₹10,000 SIP that starts 5 years later.

2. Be Realistic About Returns
Reasonable assumptions can be made after consulting with your financial expert.

3. Compare Delays
Check the impact of 1-year, 2-year, or 5-year delays.

4. Review Your Portfolio Every Year
Income grows, goals change- your SIP should adapt to them.

5. Use Prodigy Pro to review your investments anytime
Timely adjustments can save you years of stress later.

Who Can Use This Calculator?

This tool is for anyone who has ever said,
“I’ll start investing later.”

It helps:

If you want to build wealth, this calculator is for you.

Start Today, Thank Yourself Tomorrow

Delaying investments is one of the most expensive mistakes people make-
And they don’t even realise it until it’s too late.

This Cost of Delay Calculator shows you exactly how much wealth you lose when you wait.
More than numbers, it gives you clarity, motivation, and urgency.

Starting today makes all the difference.

This calculator helps you take that first step.
Because time lost cannot be regained.