Calculator
SIP Delay Calculator
See exactly what waiting costs you — the earliest years of a SIP are worth more than the latest.
dhanmetrics.com · Educational illustration only · Not investment advice
Wealth lost to delay
₹89,84,872
That’s 47% of what you would have had
What this means
Waiting 5 years cost you ₹89.8L — the first years of a SIP are worth multiples of the last because compounding has more runway. The early ₹6.0L you would have invested earns about 15.0× over the remaining horizon. This is why every advisor's first answer is "start today, not next month."
What if you…
Delayed 7 years instead
₹76.5L
-₹23.4L
Bumped SIP to ₹15.0K after the delay
₹1.5Cr
+₹50.0L
Extended horizon to 30 years
₹1.9Cr
+₹89.8L
Educational illustration. Constant return assumption — real returns vary, but the directional lesson (earlier is always better) holds in any market.
Adjust your scenario
Type, drag, or tap a chip — the result on the right updates instantly.
Inputs
Compare wealth if you start now vs. if you wait. Compounding is ruthless about lost years.
How many years from today until you need the money.
If you start this many years late, what does compounding give up?