Decision tools
What-if simulator
Adjust the levers and watch the estimated SIP value change. Then see what waiting 3, 5 or 10 years can cost under the same assumptions.
₹10,000
12% p.a.
15 yrs
0%
Move a slider to see how the estimated corpus changes. Rates are assumptions, not forecasts.
Estimated value
₹50,45,760
Total invested
₹18,00,000
Estimated returns
₹32,45,760
Cost of waiting
Same monthly amount, same assumed return, same end date. Starting later shortens the compounding window.
₹
% p.a.
years
| Path | Investing years | Invested | Estimated value | Gap vs starting today |
|---|---|---|---|---|
| Start today | 20 | ₹24,00,000 | ₹99,91,479 | — |
| Start after 3 years | 17 | ₹20,40,000 | ₹66,79,208 | ₹33,12,271 |
| Start after 5 years | 15 | ₹18,00,000 | ₹50,45,760 | ₹49,45,719 |
| Start after 10 years | 10 | ₹12,00,000 | ₹23,23,391 | ₹76,68,088 |
- Each path invests the same monthly amount until the same end date. Waiting shortens the compounding window.
- The assumed return is constant. Real SIP values will differ.
- This does not model inflation, tax, or what you do with the money during the delay.
SmartCalculators provides educational calculators and estimates. Results are for informational purposes only and should not be considered financial, tax, investment, legal or professional advice.