Calculators / Savings and investing
Cost of delaying a SIP
Defaults come from the India rule pack india-2026-27.v1. Change any of them.
₹
₹5,000
Assumptions
%
Cost of waiting
₹16,56,135
- Value if started now
- ₹49,95,740
- Value if delayed
- ₹33,39,604
- Value if delayed: ₹33.4 L
- Cost of waiting: ₹16.56 L
How this is calculated
Standard time-value-of-money formulas with the inputs and assumptions shown. Every result records the rule-pack version used.
Educational estimate. Returns are not guaranteed; taxes and charges are not included unless stated. · india-2026-27.v1
Where the figures come from
Tax slabs, scheme rates and planning assumptions are kept in a dated rule pack with a source for each figure.
Where the rules come from
- Planning assumptions: My Money & Me editorial assumptions (checked 2026-10-26)Inflation, return, life-expectancy and withdrawal assumptions are planning defaults shown on every result; members can change them in each calculator.