Cost of Delaying Your SIP
Every year you delay starting an SIP is a year of compounding you don't get back. This calculator compares starting today against waiting a few years, showing the difference in final corpus and how much more you'd need to invest monthly to catch up to the same goal.
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How This Calculator Works
Compoundly projects the future value of a Systematic Investment Plan (SIP) using standard compound-interest math — the same approach most mutual fund calculators use.
Monthly amount, expected annual return, and how many years you plan to invest.
Each contribution is added at the start of the month, then grows at your expected rate — compounding every month for the full duration.
Optionally factor in a step-up SIP, fund expense ratio, inflation, and estimated tax to see a more realistic, after-cost picture.
Switch modes to plan toward a goal amount, see the cost of delaying, or compare a lumpsum against a monthly SIP.
Frequently Asked Questions
Why does a short delay cost so much?
Compounding is strongest in the final years an investment stays invested, but it needs time to build up — money invested earlier has more total years to compound. Even a 2-3 year delay removes some of the highest-growth years at the end of the timeline, which is often more costly than people expect.
I already delayed — is it too late to start?
No. The calculator's 'catch-up' figure shows the higher monthly amount needed to still reach your original goal on the original timeline. Starting later still works — it typically just requires investing more per month.
How is the catch-up amount calculated?
It compares the corpus from starting today against starting after your chosen delay, then solves for the monthly SIP that would let a delayed start still reach the same final corpus by the same end date.
Does it detect my currency automatically?
Yes — it checks your browser's language and region settings on load, and you can override it manually.