Cost of delay
Assumptions
Effective annual investment return converted to an equivalent monthly rate: (1 + annual return)^(1/12) − 1. Contributions are made at the start of each month. Constant returns are illustrative, not guaranteed; fees and taxes are excluded. Both scenarios end on the same date; the delayed scenario makes fewer contributions. The uninvested cash is not assumed to earn interest.
Estimates are not personalised financial advice. Review assumptions before use.
Estimated cost of delay
Based on your inputs. Not guaranteed. Exact amount: ₹2,10,289.
Starting now₹14.31 lakh
Starting later₹12.2 lakh
Monthly investment difference₹1.77 lakh
Cost of waiting
The difference includes missed contributions as well as growth—not just lost investment returns.The difference includes missed contributions as well as growth—not just lost investment returns.
View detailed breakdown
Starting now₹14.31 lakh
Starting later₹12.2 lakh
What is the cost of waiting?
The comparison uses the same end date. Starting later leaves fewer contributions and less time for compounding.
Detailed results
| Result | Value |
|---|---|
| Estimated cost of delay | ₹2.1 lakh |
| Starting now | ₹14.31 lakh |
| Starting later | ₹12.2 lakh |
| Monthly investment difference | ₹1.77 lakh |
| One-time investment difference | ₹33,277 |
Keep or share this scenario