Delayed SIP Calculator – Start Later, Plan Smarter

A Delayed SIP is just what it sounds like — instead of starting your Systematic Investment Plan (SIP) today, you choose to begin investing after a few months. This delay could be due to cash flow planning, aligning with a future income source, or waiting for the right time to start. A Delayed SIP Calculator helps you understand how much your wealth creation could be affected when you postpone your SIP start date.

What is a Delayed SIP Calculator?

A Delayed SIP Calculator allows you to estimate the potential impact of postponing your SIP investment by a certain number of months. It compares the final corpus you would accumulate if you start now versus if you start later, helping you visualize the cost of delay.

While a SIP brings in financial discipline and long-term compounding benefits, delaying your start — even by a few months — can lead to a noticeable difference in returns, especially over long tenures.

How Can a Delayed SIP Calculator Help You?

• Quantifies the "Cost of Delay" — Know how much future wealth you may miss out on due to a delayed start.
• Helps You Make Informed Decisions — Choose between starting now or later based on actual data, not assumptions.
• Financial Planning Tool — Plan your cash flows and goals better by knowing how a delayed SIP will affect your future corpus.
• Motivates Early Investing — Understand the power of compounding and why every
  month counts.

How Does a Delayed SIP Calculator Work?

The Delayed SIP calculator uses the standard SIP formula, but adds a delay component. Here's a simple explanation:

Let's say:

• You plan to invest ₹5,000/month
• Your expected annual return is 12%
• Your investment tenure is 10 years
• But you delay your SIP by 6 months

The calculator will show:

• The final corpus if you start now
• The final corpus if you start 6 months later
• The difference (cost of delay)

This helps highlight how even small delays can lead to significant differences due to compound interest over time.

Formula Behind the Delayed SIP Calculator

The standard SIP maturity formula is used:

In a Delayed SIP, the calculator uses the same formula twice — once for the full tenure, and once subtracting the months of delay — to calculate the difference in maturity amounts.

Example of a Delayed SIP

Why Use a Delayed SIP Calculator?

• Visualise the missed opportunity from delaying investments
• Encourages timely decision-making
• Perfect for long-term goal planning — like retirement, children's education,
  or wealth creation
• Shows how compounding favours the early investor

Make Smart Investment Decisions

Remember, while timing the market is difficult, time in the market is what truly matters. Use our Delayed SIP Calculator to understand what postponing your investment could cost you, then make the decision that aligns best with your financial goals and timeline.