# Waiting is the most expensive decision

Not investing has a price. Here it is, in rupees.

See exactly what delaying your SIP by a few years costs you, and how much more you would have to invest each month to catch up.

## What you enter

- Monthly investment
- Years until you need the money
- Years you delay starting
- Expected annual return

## What you get back

- Waiting would cost you
- ₹{startNow} if you start today, ₹{startLater} if you start in {delay} years

## Questions about this calculator

### Why does a few years cost so much?

The earliest contributions compound for the longest, so they do the heaviest lifting. Removing them removes the most productive years, not the least.

### Can I catch up by investing more later?

You can, but it takes far more. Delaying a 20-year plan by five years means investing roughly double each month to land in the same place.

### I can only afford a small amount. Should I wait until I can afford more?

No. Starting small today almost always beats starting large later, and you can step the amount up as your income grows.

## Other calculators

- [SIP calculator](https://eazysip.com/calculators/sip)
- [Goal planner](https://eazysip.com/calculators/goal-planner)
- [Step-up SIP calculator](https://eazysip.com/calculators/step-up-sip)
- [Budget calculator](https://eazysip.com/calculators/budget)
- [EMI calculator](https://eazysip.com/calculators/emi)

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Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. EazySIP is operated by Dzambala Financial Services LLP, an AMFI-registered Mutual Fund Distributor (ARN-313834); investments are made in Regular Plans, for which the distributor receives trail commission from the AMC.