Cost of a 10 Year Delay on a Rs 5,000 Monthly SIP over 30 Years
See the impact of a decade-long delay on a smaller Rs 5,000 monthly SIP over a 30 year horizon at 10% expected return.
Waiting 10 years to start a ₹5,000/month SIP over a 30 year horizon costs you ₹75,68,142 (66.4%) in lost maturity value.
- Monthly investment
- ₹5,000
- Expected return
- 10% p.a.
- Total horizon
- 30 years
- Delay before starting
- 10 years
Cost of delay
10 yrs delay₹75.68 Lakhs
₹75,68,142
66.4% less than starting today
Value if started now
₹1.14 Crore
₹1,13,96,627
Value if delayed
₹38.28 Lakhs
₹38,28,485
Monthly needed to catch up
₹14,
Extra required each month
₹9,
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Assumes a constant 10% 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.