Cost of delay
Estimated wealth difference₹13,60,822
After delay88%
- After delay₹97,19,913
- Difference₹13,60,822
- Monthly SIP
- Lump sum
| Year | Now · SIP | Now · lump | Delayed · SIP | Delayed · lump |
|---|---|---|---|---|
| 1 | ₹1,28,093 | ₹1,12,683 | ₹0 | ₹1,00,000 |
| 2 | ₹2,72,432 | ₹1,26,973 | ₹1,28,093 | ₹1,12,683 |
| 3 | ₹4,35,076 | ₹1,43,077 | ₹2,72,432 | ₹1,26,973 |
| 4 | ₹6,18,348 | ₹1,61,223 | ₹4,35,076 | ₹1,43,077 |
| 5 | ₹8,24,864 | ₹1,81,670 | ₹6,18,348 | ₹1,61,223 |
| 6 | ₹10,57,570 | ₹2,04,710 | ₹8,24,864 | ₹1,81,670 |
| 7 | ₹13,19,790 | ₹2,30,672 | ₹10,57,570 | ₹2,04,710 |
| 8 | ₹16,15,266 | ₹2,59,927 | ₹13,19,790 | ₹2,30,672 |
| 9 | ₹19,48,215 | ₹2,92,893 | ₹16,15,266 | ₹2,59,927 |
| 10 | ₹23,23,391 | ₹3,30,039 | ₹19,48,215 | ₹2,92,893 |
| 11 | ₹27,46,148 | ₹3,71,896 | ₹23,23,391 | ₹3,30,039 |
| 12 | ₹32,22,522 | ₹4,19,062 | ₹27,46,148 | ₹3,71,896 |
| 13 | ₹37,59,311 | ₹4,72,209 | ₹32,22,522 | ₹4,19,062 |
| 14 | ₹43,64,180 | ₹5,32,097 | ₹37,59,311 | ₹4,72,209 |
| 15 | ₹50,45,760 | ₹5,99,580 | ₹43,64,180 | ₹5,32,097 |
| 16 | ₹58,13,782 | ₹6,75,622 | ₹50,45,760 | ₹5,99,580 |
| 17 | ₹66,79,208 | ₹7,61,308 | ₹58,13,782 | ₹6,75,622 |
| 18 | ₹76,54,392 | ₹8,57,861 | ₹66,79,208 | ₹7,61,308 |
| 19 | ₹87,53,254 | ₹9,66,659 | ₹76,54,392 | ₹8,57,861 |
| 20 | ₹99,91,479 | ₹10,89,255 | ₹87,53,254 | ₹9,66,659 |
Illustrative opportunity cost, not a certain loss. At 0% return, the difference is only the skipped SIP deposits. Taxes, fees, inflation and changing returns are excluded.