Mutual funds
SIP Delay Cost Calculator
What waiting to start a SIP really costs.
Cost of waiting
₹6.82L
Start now₹50.46L
If delayed₹43.64L
Waiting 12 months to start this SIP costs you ₹6,81,580 at your 15-year horizon. Time in the market beats timing it.
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Frequently asked
Is the SIP Delay Cost Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the SIP Delay Cost Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.