Cost of delay: what waiting to invest costs you.
Starting to invest even a few years later can mean a much smaller corpus, because compounding gets less time to work. See the difference, and the higher SIP you would need to catch up.
yrs
Today10 yrs
₹
₹500₹2L
yrs
5 yrs40 yrs
%
5%18%
Waiting 3 years will cost you
₹0
Start today₹0
Start in 3 yrs₹0
SIP needed to catch up₹0
Start todayStart later
Illustration at an assumed return; actual returns vary and are not guaranteed. The point: every year you wait, compounding has less time to work.
Start my SIP todayHow it is calculated
The calculator compares the same SIP started today and started after a delay, both ending on the same date at the same assumed return, then works out the monthly amount needed to catch up.
Common questions
Why does a short delay matter so much?
The last years of compounding add the most money. Starting later cuts those years off.
Should I wait for the market to fall?
Timing the market is very hard. A regular SIP invests through ups and downs, which avoids having to guess.
Are these figures guaranteed?
No. They are illustrations at an assumed return.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Returns shown are illustrations at an assumed rate and are not guaranteed. Plenitude Connect is an AMFI-registered Mutual Fund Distributor (ARN-130934); these tools are for education and are not investment advice.
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