What is a SIP Cost of Delay Calculator?
See the corpus lost by starting later and the SIP needed to catch up. Keep the goal date fixed. Missed contributions and foregone investment growth are reported separately.
Use the inputs that describe your actual situation. Change one assumption at a time, compare the results, and read the scope note alongside the number. The tool calculates a stated scenario; it does not decide whether an investment, policy or tax treatment is suitable for you.
Method and assumptions
Keep the goal date fixed. Missed contributions and foregone investment growth are reported separately.
Read the result with these boundaries
Keep the goal date fixed. Missed contributions and foregone investment growth are reported separately.
Check the inputs before acting
Confirm actual costs, dates, eligible amounts and product terms from your records. Compare a conservative case and an adverse case rather than relying on the default inputs. A result can change substantially when return, tax, contribution or cost assumptions change.
Frequently asked questions
What does this tool calculate?
See the corpus lost by starting later and the SIP needed to catch up. Gap = start-now corpus − delayed corpus at the same goal date
What is outside its scope?
Keep the goal date fixed. Missed contributions and foregone investment growth are reported separately.
Are the default inputs a recommendation?
No. Defaults are worked scenarios. Use your own verified amounts and test more than one assumption.