SIP Delay Cost Calculator- Equirus Wealth

What is SIP Delay Cost?

SIP Delay Cost is the lost potential wealth due to the delay in a Systematic Investment Plan. The later you start investing, the lesser the time your money will have to compound, leaving you with a smaller corpus at the end.

How does this delay of SIP affect your wealth?

When you start early, your money gets more time to compound with compounding power. A few years of delay will considerably lower the corpus.

Example: Impact of SIP Delay

Scenario	SIP Amount (₹/month)	Investment Period	Assumed Return	Final Corpus (₹)
Start at Age 25	10,000	30 years	12%	3.53 Crore
Start at Age 30	10,000	25 years	12%	1.98 Crore
Start at Age 35	10,000	20 years	12%	1.00 Crore
Start at Age 40	10,000	15 years	12%	50.5 Lakh

Such is the impact of a mere 5-year SIP delay: almost a 50% reduction in the corpus!

How to Avoid SIP Delay Cost?

Start as early as possible – Even a small SIP amount can grow significantly over time.
Increase SIP amount if you've delayed – A Step-up SIP can help bridge the gap.
Long-term investment – The longer your money stays, the greater the compounding effect.

What is SIP Delay Cost Calculator?

A SIP Delay Cost Calculator will show an investor how much more delay can impact the loss in returns due to non-compounding. The more the delay time, the more potential loss is missed through compounding.

Why Use a SIP Delay Cost Calculator?

This would help you see the effect that investing will have on you.
It improves disciplined investing
Help in planning for your financial goals.