SIP Calculator
Project the value of a monthly SIP over your chosen investment horizon.
Financial calculator
SIP Delay Calculator
Compare two identical investment plans that end on the same date but start at different times, to illustrate the arithmetic of compounding periods.
This calculator is for illustrative and educational purposes only. Actual investment returns may vary. Investments are subject to market risks.
Your inputs
₹500₹5,00,000
0120
130
Returns are not guaranteed.
140
Every figure above is an assumption you control. Change any of them to see how the projection responds.
Estimated results
Illustrative difference
₹58,42,717
The gap between starting today and starting after 2 years, with both plans ending 20 years from now.
If you start today
₹2,49,78,698
₹60,00,000 invested in total
If you start after 2 years
₹1,91,35,981
₹54,00,000 invested in total
Instalments not made
24
Months of investing skipped during the delay
Difference as a share
23.4%
Of the value projected when starting today
Part of the difference is simply the extra instalments; the rest is the additional time those instalments would have had to compound. The comparison assumes returns behave identically in both cases, which real markets do not guarantee.
Start now compared with a delayed start
The dashed line stays flat during the delay, then follows the same growth pattern from a later starting point.
Year-by-year comparison
| Year | Starting today | Delayed start | Difference |
|---|---|---|---|
| 1 | ₹3,20,233 | ₹0 | ₹3,20,233 |
| 2 | ₹6,81,080 | ₹0 | ₹6,81,080 |
| 3 | ₹10,87,691 | ₹3,20,233 | ₹7,67,458 |
| 4 | ₹15,45,871 | ₹6,81,080 | ₹8,64,791 |
| 5 | ₹20,62,159 | ₹10,87,691 | ₹9,74,468 |
| 6 | ₹26,43,926 | ₹15,45,871 | ₹10,98,055 |
| 7 | ₹32,99,475 | ₹20,62,159 | ₹12,37,316 |
| 8 | ₹40,38,164 | ₹26,43,926 | ₹13,94,238 |
| 9 | ₹48,70,538 | ₹32,99,475 | ₹15,71,063 |
| 10 | ₹58,08,477 | ₹40,38,164 | ₹17,70,313 |
Assumptions behind this calculation
Nothing here is hidden. Change any assumption in the inputs panel and the projection updates immediately.
- Both scenarios end on the same date
- 20 years from today
- The delayed plan simply has fewer instalments and fewer compounding periods.
- Expected annual return
- 12%
- Identical in both scenarios, so the difference shown is purely arithmetic.
- Instalment amount
- ₹25,000 a month in both cases
- The delayed scenario does not assume a larger instalment to catch up.
- Costs and taxes
- Not deducted
यह नाम आपके PDF सारांश पर छपेगा। इसे न तो कहीं सहेजा जाता है, न भेजा जाता है। PDF सारांश अंग्रेज़ी में होता है।
Important information
Results shown are estimates based on the inputs and assumptions selected by you. They are provided for educational and illustrative purposes only and should not be considered financial advice, investment advice, or a guarantee of future returns. Actual results may vary.
Investments are subject to market risks. Past performance may or may not be indicative of future performance. Returns are not guaranteed. Please read all scheme-related documents carefully and invest in line with your own goals and risk appetite.
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संपत्ति का निर्माण। भविष्य की सुरक्षा।
Discuss what this number means for you
A projection is arithmetic. Whether the figure is achievable, appropriate and sensibly invested is a conversation — and that is where our team can help.
निवेश बाज़ार जोखिमों के अधीन है। रिटर्न की गारंटी नहीं है। कोई भी चर्चा शैक्षिक प्रकृति की होती है और यह किसी वित्तीय उत्पाद को ख़रीदने या बेचने की सिफ़ारिश नहीं है।