UTILITIES
SIP delay cost calculator
Putting off your SIP by even a few months reduces how much you invest over the same horizon and can meaningfully lower your ending wealth. This tool compares starting today versus after a delay, using the same SIP math as our SIP planner. Illustrative only.
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Yr
%
Mo
Start SIP today
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Start after delay
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Estimated wealth not created (cost of delay)
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Assumes the same target date: if you delay, you make fewer monthly instalments over the chosen period. Monthly return uses (1 + annual)1/12 − 1, consistent with our SIP planner. Does not include taxes, loads, or expense ratios.
