Is waiting ever sensible?

Cost of delay calculator

What waiting a few years to start really costs.

Cost of waiting

₹89,84,872

₹89.85 lakh

by starting 5 years later

You would invest only ₹6,00,000 less by waiting, but end up ₹89.85 lakh poorer. The years you skip are the ones that would have compounded longest.

Starting now vs later

Start nowStart in 5 years

Compare starting a SIP today with starting the same SIP a few years later, with both ending on the same date.

Cost = SIP value over n years − SIP value over (n − delay) years

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Building an emergency fund or clearing expensive debt first is not delay; it is sequencing. Waiting for the right market moment usually is delay.