See how it works
What does waiting cost?
See how much more you need each month if you start a few years later.
Change a number and watch what happens. This is a teaching tool: the answer is an illustration, not a promise.
Your numbers
A made-up rate for illustration, not a forecast. Real returns can be lower, or negative.
The same goal, two start dates
Start now
Start 1 year later
Waiting 1 year means about ₹1,423 more a month, 16% more, for the same goal.
Monthly amounts to reach ₹25,00,000 in 12 years at 10% a year, an assumed rate and not a forecast.
Illustration only. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
Want to talk it through?
Free. 30 minutes. No obligation. No pressure to invest. Your result goes into the message.
You see the message first, and can change it. Gunasekaran replies Mon–Sat, 10:00–18:00 IST.
Common questions
I find the monthly amount that reaches your goal on your date, then the amount you would need if you started later and still wanted the same goal on the same date. It uses the same maths as the SIP calculator.
No. It is an illustration. Mutual fund returns are not guaranteed and values can fall as well as rise. Read all scheme related documents carefully before you invest.
Those are the gaps people ask about most. Change the years you need the money in to see other gaps.