SIP Delay Cost & Catch-Up
A starts today. B waits, then starts. Drag the Target Horizon and the Multiplier M to see how much B needs and how long it takes to catch A.
A’s Corpus at T (start today)
₹ 91,98,574
B’s Corpus at T (start after 10 yrs, same SIP)
₹ 22,40,359
Loss due to Delay (same SIP)
₹ 69,58,215
B’s Monthly SIP (M × A, M = 2)
₹ 20,000
To EXACTLY match at T: ₹ 41,058 (~4.11× A). You’re short by ₹ 21,058.
B’s Corpus at T with M× SIP
₹ 44,80,718
Gap vs A at T (with M× SIP)
₹ 47,17,856
Catch-up time if B starts after 10 yrs investing M = 2 × A’s SIP (both step-up 0%/yr)
With M = 2, B doesn’t catch up within 80 years. Increase M, reduce delay, or add step-up.
Assumptions: End-of-month contributions, monthly compounding, annual step-up. Educational illustration only.