Your SIP Plan
Drag the sliders — see how delay shrinks your corpus.
What If…
Cost at different delay lengthsAll four scenarios assume the same end date (15 years from today) — so waiting simply means fewer months invested, not more time ahead. The earlier you begin, the more compounding works in your favour.
AI Insights
DhanRadar AIStarting now vs waiting 1y 0m costs an estimated ₹17.04L — that's the compounding lost on 1y 0m of missing contributions and growth.
Time in the market matters more than timing it. Even a ₹25,000/month SIP at your chosen 12% grows to ₹1.26Cr over 15 years. Waiting chips that number down for every month you delay.
For education only — not investment advice. The return is your own assumption; real markets vary. Mutual fund investments are subject to market risk.
Related Calculators
Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.