In long-term investing, 'Time' is more powerful than 'Timing'. This calculator shows you the massive wealth gap created by missing out on the final years of exponential compounding due to a late start.
Why Delaying SIP is Extremely Costly
This calculator assumes that if you delay your SIP, you finish at the same end-date (e.g. retirement), thus losing the duration of the delay.
- Power of Compounding: Returns are earned on previous returns. A 1-year delay is not just 12 missing installments, but 1 year of missing compound growth on your entire final corpus.
- The Last Year Effect: In a 20-year SIP, the growth in the 20th year is often more than the total contributions of the first 10 years combined.
- Inflation Impact: While you wait, the cost of your future goal (child education, marriage) is rising due to inflation, making the wealth gap even harder to bridge.
The ₹12 Lakh Mistake
If you start a ₹10,000 SIP today for 20 years at 12%, your final corpus will be ~₹1.0 Crore.
If you wait just 1 year (Invest for 19 years), your corpus will be ~₹88 Lakhs.
You missed out on ₹12 Lakhs by saving just ₹1.2 Lakh this year. That is a 10x penalty for waiting!
Frequently Asked Questions
⚠️ Disclaimer
The figures provided by this calculator are estimates based on the inputs you provide and standard financial formulas. STOCKCALC.IN does not offer investment advice. Please consult a qualified financial advisor before making any investment decisions.