Cost of a 1 Year Delay on a Rs 15,000 Monthly SIP over 25 Years
See that even a single year of delay has a real cost on a Rs 15,000 monthly SIP over a 25 year horizon at 12% expected return.
Waiting 1 year to start a ₹15,000/month SIP over a 25 year horizon costs you ₹33,74,219 (11.9%) in lost maturity value.
- Monthly investment
- ₹15,000
- Expected return
- 12% p.a.
- Total horizon
- 25 years
- Delay before starting
- 1 year
Cost of delay
1 yr delay₹33.74 Lakhs
₹33,74,219
11.9% less than starting today
Value if started now
₹2.85 Crores
₹2,84,64,526
Value if delayed
₹2.51 Crores
₹2,50,90,307
Monthly needed to catch up
₹17,
Extra required each month
₹2,
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Assumes a constant 12% annual return, compounded monthly, applied uniformly across the entire period, whether started today or after the delay. Actual investment returns fluctuate and are never guaranteed.