Cost of a 5 Year Delay on a Rs 10,000 Monthly SIP over 20 Years
See how much a 5 year delay costs on a Rs 10,000 monthly SIP over a 20 year horizon at 12% expected return.
Waiting 5 years to start a ₹10,000/month SIP over a 20 year horizon costs you ₹49,45,719 (49.5%) in lost maturity value.
- Monthly investment
- ₹10,000
- Expected return
- 12% p.a.
- Total horizon
- 20 years
- Delay before starting
- 5 years
Cost of delay
5 yrs delay₹49.46 Lakhs
₹49,45,719
49.5% less than starting today
Value if started now
₹99.91 Lakhs
₹99,91,479
Value if delayed
₹50.46 Lakhs
₹50,45,760
Monthly needed to catch up
₹19,
Extra required each month
₹9,
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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.