Cost of WaitingDelay
Delay
Penalty Engine.
Quantify the exact cost of procrastinating your investments — every month you wait is compounding you surrender forever.
ℹ
How it works: We compare the final corpus if you start investing today versus if you delay by N years — the difference is the permanent wealth destroyed by waiting.
Delay Inputs
Currency
₹
%
yrs
yrs
⏱
On-time Corpus
₹99.91L
If you start today
⏳
Delayed Corpus
₹50.46L
After 5yr delay
💸
Cost of Delay
₹49.46L
49% of potential wealth lost
⚠
A 5-year delay costs you ₹49.46L — wealth permanently destroyed by inaction. The best time to invest was yesterday; the second best is today.
Corpus Growth Comparison
On-time Start
Delayed Start
Wealth Lost to Delay
Lost
49%
Why Start Now
✓Compounding multiplies early
✓Time cannot be recovered
✓Small delays = big losses
Year-wise Comparison Ledger
YearOn-timeDelayedDifference
Y1₹1.28L₹0₹1.28L
Y2₹2.72L₹0₹2.72L
Y3₹4.35L₹0₹4.35L
Y4₹6.18L₹0₹6.18L
Y5₹8.25L₹0₹8.25L
Y6₹10.58L₹1.28L₹9.29L
Y7₹13.20L₹2.72L₹10.47L
Y8₹16.15L₹4.35L₹11.80L
Y9₹19.48L₹6.18L₹13.30L
Y10₹23.23L₹8.25L₹14.99L
Y11₹27.46L₹10.58L₹16.89L
Y12₹32.23L₹13.20L₹19.03L
Y13₹37.59L₹16.15L₹21.44L
Y14₹43.64L₹19.48L₹24.16L
Y15₹50.46L₹23.23L₹27.22L
Y16₹58.14L₹27.46L₹30.68L
Y17₹66.79L₹32.23L₹34.57L
Y18₹76.54L₹37.59L₹38.95L
Y19₹87.53L₹43.64L₹43.89L
Y20₹99.91L₹50.46L₹49.46L
⚠
For illustration only. Returns are estimated and not guaranteed. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully.