See how delaying your SIP investments by just a few years can cost you lakhs in final wealth growth.
The Cost of Delay refers to the substantial financial loss incurred by postponing your investment start date. Because compound interest generates compounding returns on both your principal and previous earnings, delaying by even 5 years dramatically cuts down the time your money has to grow exponentially.
Consider two investors, Rahul and Amit, both aiming to retire at age 60 with a 12% expected annual return:
The Result: By delaying just 5 years, Amit invested ₹6 Lakhs less, but lost out on ₹1.63 Crore in compound returns!
This calculator is provided for general informational and illustrative purposes only. The maturity values, returns, and projections shown are indicative estimates calculated using standard compound interest assumptions based on the user's inputs — they do not constitute financial advice, guaranteed returns, or official commitments from One Source Financial Services or product issuers. Actual returns are subject to market volatility, load structures (TER), compounding conventions, applicable Tax Deducted at Source (TDS), and capital gains taxes. Please consult official scheme information documents (SID / KIM) and seek professional financial guidance before making investment decisions.
