Cost of Delay Calculator
Visualize the cost of delaying investment start. Powerful tool to motivate early investment and show opportunity cost.
Cost of Delay Calculator
Result
How it works
Formula Used
FV(on-time) vs FV(delayed); show opportunity loss Compares ending corpus if investment starts now vs later
Smart Tips
- Every year of delay costs significantly in compound growth
- Starting early is more important than contributing large amounts
- 5-year delay can mean 30-40% less corpus
Best Used For
Motivate early investment start, justify SIP discipline
FAQs
How much does delaying 5 years cost?
Huge hit. ₹10k/month at 12% return: 30 years = ₹2.33Cr, 25 years = ₹1.64Cr. Loss = ₹69L (30% less). Delaying 5 years costs ₹69L in future corpus. Every year costs ~₹15L.
Is starting with small amount better than waiting?
Much better. Start ₹5k now beats starting ₹10k in 2 years. Earlier start compounds more, even with less money. Time beats amount. Classic example: Start ₹5k at age 25 = better than ₹15k at age 35.
When is the best time to start investing?
Today. If not today, yesterday. Seriously—every month of delay costs future wealth. Don't wait for perfect timing, perfect amount, or perfect plan. Start with what you have now. Plan improves later.
How do I motivate myself to start immediately?
Calculate this: delay cost in real rupees (as shown above). Seeing ₹69L loss makes delay painful. Set up auto-debit tomorrow. Automate small amount (₹1k) if needed. Action today > planning tomorrow.
Embed Tool
Want to add this Cost of Delay Calculator to your own website? It's free and easy!