SIP Delay Cost Calculator

Calculate how much you would lose if you delayed your SIP investment.

Monthly SIP Amount
What is the your monthly SIP target value today?
SIP Period
How many years you wish to continue your SIP?
1 year40 years
Expected Returns On Investment
Your expectation of returns on this planned investment
5 %20 %
Period of Delay
By how many years you wish to delay your SIP?
1 month100 months

SIP Amount


Required amount (With Delay)

What is the SIP delay cost?

An SIP delay cost is the amount of money that could have been earned if the money had been invested at the beginning of the investment period rather than at the end. This cost is calculated by multiplying the number of days of delay by the average daily return for the investment period.

What are the benefits of starting your SIP journey early?

The benefits of starting your SIP journey early are many. One of the biggest advantages is that you can take advantage of compound interest. Compound interest increases your potential earnings over time because your earnings from past investments are reinvested and then generate their own return. This can have a snowball effect, allowing your money to grow exponentially over time.

Another benefit of beginning your SIP early is that you can buy more stocks for your investment portfolio. When you start investing at a younger age, you have more time to ride out any market fluctuations and see a positive return on your investments in the long run. Additionally, by investing regularly, you're buying stocks at average prices rather than at peaks or troughs, which can maximize your profits down the line.

Of course, there are also some risks associated with investing, no matter what age you start. But by starting early, you give yourself more time to make up for any losses and allow compounding interest to work its magic. Overall, there are many reasons why it's advantageous to start saving for retirement as early as possible. The sooner you begin, the more you'll be able to benefit from the power of compound interest!

What is the power of compounding in SIP?

The power of compounding is one of the most important concepts in finance and can be used to grow your money exponentially. When you invest in a SIP, the power of compounding kicks in, and your investments start to generate returns on the returns. This leads to a snowball effect where your investment gradually becomes larger and larger. Over time, the compounding effect can help you build a large corpus that can provide you with a comfortable retirement.

How early should you start investing in SIP?

The sooner you start investing in SIP, the better. Even if you can only invest a small amount each month, it will add up over time. You may also want to consider increasing your contributions as your income increases. Remember, the goal is to create a habit of saving so that you can eventually retire with enough money to support yourself.

What is the ideal age to start SIP?

There is no one-size-fits-all answer to this question, as the best age to start investing in a SIP will vary depending on your financial situation. However, a good rule of thumb is to start investing in a SIP as early as possible, so that you can take advantage of the power of compounding interest.

When you invest in SIPs, you are buying shares of stock or mutual funds regularly, which means that you will be able to buy more shares when prices are low and fewer shares when prices are high. This can help you to avoid buying at the wrong time and losing money on your investments.

How to make up for the delayed cost in SIP?

The most common way to make up for the delay cost in SIP investment is to invest more money. This will help make up for the lost time and ensure that the account is still on track to reach its goals.

Additionally, it may be helpful to explore different types of investments that offer quicker returns, such as stock market investments or real estate investments. Finally, it is important to stay disciplined with the account and continue making regular contributions, even if the initial delay caused some setbacks.

How to use the Equirus SIP delay cost calculator?

The Equirus SIP delay cost calculator can be used in a few simple steps. The first step is to input the amount of money that will be invested, the frequency of the payments, and the expected annual rate of return.

The next step is to input the number of payments that will be missed due to the delay. By providing these inputs you can compare your estimated earnings with & without delay.