Cost of Delay Calculator
Thinking of delaying your investment?
Consider calculating the impact on your returns before you decide.
Invest Now  Invest Later  

Years

Years


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% 

SIP Ending Age 
Years

Years

Total Years Invested  10 Years  5 Years 
Total Amount Invested  ₹ 1.20 Lacs  ₹ 60,000 
Final Value of Your Investment  ₹ 2.05 Lacs  ₹ 77,437 
Wealth creation  ₹ 84,845  ₹ 17,437 
Cost of Delay 
₹ 1.27 Lacs

Invest Now  Invest Later  

Years

Years


₹

₹


% 

Age At Withdrawal 
Years

Years

Total Years Invested  10 Years  5 Years 
Total Amount Invested  ₹ 1 Lacs  ₹ 1 Lacs 
Final investment value  ₹ 2.59 Lacs  ₹ 1.61 Lacs 
Wealth creation  ₹ 1.59 Lacs  ₹ 61,051 
Cost of delay 
₹ 98,323

Disclaimer:
Past performance may or may not be sustained in future and is not a guarantee of any future returns.
Please note that these calculators are for illustrations only and do not represent actual returns.
Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return. *This does not take into account the effects of inflation on the value displayed here.
What is Cost of Delay?
The Cost of Delay refers to the amount of money required when postponing an investment for several years.
What is the Cost of Delay Calculator?
The Cost of Delay Calculator helps you understand the consequences of delaying your systematic investment by specific periods. It helps you find out the additional money required to reach your goal if you delay starting your investment.
It shows that even small delays can greatly affect your longterm investments, so starting them right away is vital for financial success.
What causes people to delay their investments?
The primary factors contributing to the delay in making investments include:
 Insufficient financial knowledge
 Absence of clear goals and planning
 Procrastination
 Bad budgeting habits
 Fear of taking risks
Delaying investments can have significant consequences:
 Inadequate funds for longterm goals due to lost time in the market
 Weakening of the purchasing power of your money
 Missing out on power of compounding
When should you use the Cost of Delay Calculator?
Consider using the Cost of Delay Calculator when thinking of postponing an investment. It helps assess the difference in the required investment amount due to delays, allowing you to compare immediate versus delayed options and make smarter decisions based on actual numbers.
Benefits of using the Cost of Delay Calculator
 Evaluate timesensitive opportunities: Determine if it's financially beneficial to act immediately or delay with timelimited investment options.
 Analyse long term growth: See the potential loss of growth and compounding effects from postponing regular investments.
 Compare investment options: Quantify and compare the costs of delaying investments in different options with varying timeframes or potential returns.
How does the Cost of Delay Calculator work?
This calculator operates based on a predefined formula, without factoring in market fluctuations or external influences on returns.
FAQs
Q.1. How does the investment delay cost calculator assist in making investment decisions?
Ans. The investment delay calculator assists in making informed decisions by illustrating the impact of postponing investments. It helps you determine the optimal time to start investing and work towards your financial goals.
Q.2. Why is it important to calculate the cost of investment delay?
Ans. Calculating the cost of investment delay helps you understand the significance of starting investments early and the potential opportunity cost of postponing them.
Q.3. What factors does the cost of investment delay calculator consider?
Ans. The calculator typically consider the amount you wish to invest, the time horizon, expected returns, and delayed duration.
Q.4. Are the results from the cost of investment delay calculator guaranteed?
Ans. The results are estimates based on certain assumptions and should be used as a guide rather than a guarantee of future outcomes.
Disclaimer:
1. Please note that these calculators are for illustrations only and do not represent actual returns.
2. Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return.
3. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.