Cost of Delay Calculator
See how much starting later has cost your long-term corpus. Pick your age and compare where you could be if you had started earlier, so the choice to begin now is clear.
By not starting at 25, you missed out on
$1.09M
in compounding gains by age 50
You can still build $797K with just $ 1,000/mo + 5% annual step-up.
You cannot get back the years already lost. But today is the youngest you will ever be.
Assumes $ 1,000/month SIP, 5% annual step-up, 10% returns, retire at 50. For illustration only.
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All You Need to Know About Cost of Delay Calculator
What is the Cost of Delay Calculator?
The Cost of Delay Calculator shows what waiting to invest can quietly cost you over the long run. You pick your age, and it compares the corpus you could build from today with what you could have built had you started earlier.
Why it matters: compounding rewards time more than timing. Because money invested earlier has more years to grow, a few years of delay can make a large difference to your final corpus, even when the monthly amount is the same.
How does it help you?
The point of this calculator is not regret about the past. It is to make the cost of continuing to wait visible, so the decision to begin now is easy.
What you can see:
- The gap between starting earlier and starting today, for your age
- How that gap grows the longer a start is put off
- A simple, disciplined monthly investment path with an annual step-up
- Figures in USD, AED or INR, for cross-border investors
How does it work?
The calculator models a monthly investment that increases a little each year (a step-up) and grows until a long-term retirement age. It then compares that outcome across different starting ages.
The figures are illustrative and are not a projection or a guarantee. Your actual outcome depends on how much you invest, the returns you earn and how long you stay invested. Investments carry risk and can fall as well as rise in value. Past performance does not indicate future returns.
Go beyond the Cost of Delay numbers
Reading material curated by our advisory team to help you turn what you just calculated into a decision you can act on.