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Cost of Delay Calculator

When it comes to saving up for your financial goals, the earlier you start, the better. When you start early, you can save small and affordable amounts regularly and give your savings time to grow. Over the long-term horizon, compounding returns work wonders and help to grow your savings considerably. On the other hand, if you delay, there are adverse consequences. Your investment horizon decreases, and you might need considerable savings to reach the desired goal. In fact, there’s the concept of ‘Cost of Delay’, which shows you how much you stand to lose or what the negative effects of delaying savings are. This is where the Cost of Delay calculator comes into the picture. The Cost of Delay calculator shows you the effect on the final corpus when you start early vis-à-vis when you delay savings. Let’s understand the calculator in detail.

Enter below details to know the impact of delayed investment

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Calculate Your Returns

I want to Invest (Monthly)

₹

Ten Thousand

I want to Invest for

Years

Min: 5 Years

Max: 50 Years

I expect Rate of Return of (Annually)

%

Min: 5%

Max: 30%

I want to delay my investment by

Months

Min: 1 Month

Max: 120 Months

Cost of Delay Calculator

When it comes to saving up for your financial goals, the earlier you start, the better. When you start early, you can save small and affordable amounts regularly and give your savings time to grow. Over the long-term horizon, compounding returns work wonders and help to grow your savings considerably. On the other hand, if you delay, there are adverse consequences. Your investment horizon decreases, and you might need considerable savings to reach the desired goal. In fact, there’s the concept of ‘Cost of Delay’, which shows you how much you stand to lose or what the negative effects of delaying savings are. This is where the Cost of Delay calculator comes into the picture. The Cost of Delay calculator shows you the effect on the final corpus when you start early vis-à-vis when you delay savings. Let’s understand the calculator in detail.

Calculate Your Returns

I want to Invest (Monthly)

₹

Ten Thousand

I want to Invest for

Years

Min: 5 Years

Max: 50 Years

I expect Rate of Return of (Annually)

%

Min: 5 %

Max: 30 %

I want to delay my investment by

Months

Min: 1 Month

Max: 120 Months

Understand your Returns

Returns with Delayed Investment

Your Maturity Value, if you delay your Investment by 1 year

Loss due to Delay

Opportunity Loss due to 1 year delay

Invest Today

Your final investment value, if you start your SISO Investment today

Total Amount Invested
Amount After Maturity

%,$,$,#T&C Apply l BJAZ-WB-EC-05318/24

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Written ByPalak Bagadia
AboutPalak Bagadia
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Palak Bagadia, Associate – Digital Marketing at Bajaj Life Insurance, with experience spanning content and performance marketing, recruitment, employee engagement in the BFSI industry, with a strong understanding of the insurance sector.
Reviewed ByRituraj Singh
AboutRituraj Singh
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Rituraj Singh,With over 6.5 years of experience in the insurance industry, Rituraj Singh, Manager- Product & Brand Marketing at Bajaj Life Insurance overlooks new product launches, compliance, and brand projects, leveraging artificial intelligence and technology to enhance outcomes.
Written on: 11th August 2025
Modified on: 13th August 2025
Reading Time: 20 Mins
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How the Cost of Delay Calculator Works

The Cost of Delay calculator is an online tool that helps you find the future value of your savings for two instances – one when you start early and one when you start late.

For the calculator to work, you have to enter a few details, which usually include the following –

  • Two timelines – one at a younger age and one at a later age when you start investing
  • The investment horizon
  • Savings per month
  • Assumed rate of return

Based on these parameters, the calculator would show you the corpus for both the timelines so that you can compare the loss in the corpus creation when you start late.

You can also get a graphical representation showing how delaying affects your savings. This representation depends on the calculator that you choose giving you better clarity.

Here’s a quick example to show the cost of delay –

 

Case 1

Case 2

Age at which you start investing

25 years

35 years

Age at which you stop investing

65 years

65 years

Investment horizon

40 years

30 years

Savings per month

₹5000

₹5000

Assumed rate of return

12% per annum

12% per annum

Final value of corpus

₹5.88 crores (rounded-off)

₹1.75 crores (rounded-off)

The cost of delay in this instance would be ₹4.13 crores (rounded off) when you delay the investment by just 10 years.

Benefits of Early Investment

The benefits of early investments are as follows –


  1. Building a habit of saving

    When you start saving from an early age, you can develop the habit of saving. Saving systematically, for instance, using the SISO (Systematic In, Systematic Out) approach, you can save every month in a disciplined manner. This will also help you save first, spend later.


  2. Power of compounding

    The compounding of returns works wonders when you give your investments time. Over the long term, compounding can generate attractive returns that help in creating a considerable corpus. When you start early, you can give your investments time to grow and allow the power of compounding to work its magic.


  3. You can save affordably

    When you start early and have time on your side, you can save small amounts in a disciplined manner and build up a good corpus.

    For instance, if you want to create a corpus of ₹1 crore, a saving of just ₹1000 per month for 40 years will help you accumulate ₹1.17 crores at an assumed return of 12% p.a. However, if you delay the investment by 10 years, you would have to save ₹3000 per month, which would generate a corpus of ₹1.04 crores.

    Delaying increases, the amount to be invested for a targeted corpus in mind.


  4. Gives financial security and independence

    When you start investing early, the power of compounding will help you build up a good corpus over time with affordable investments. This would give you financial security, and the corpus would be able to meet your financial goals easily.


  5. Ability to recover from losses

    If you invest in risk-prone avenues, like equity funds of ULIPs, investing early gives you the time to recover from losses. If the market turns volatile, your short-term returns might be affected, but over the long term, the returns average out and help build a good corpus.


  6. Ability to take risks

    At a younger age, you might have limited responsibilities. This might allow you to explore riskier investment avenues for attractive returns. For instance, when you start young, you can allocate most of your premiums to equity funds of ULIPs to gain from market returns.


  7. Easy to tackle inflation

    Inflation eats into your savings by reducing the purchasing power of money. However, with the help of compounding, you can build a good corpus over time, which might be able to tackle the inflated cost of your financial goals.

Conclusion

The cost of delaying investments is considerable, especially when you delay longer. So, it is advisable to start investing as early as possible to reap the benefits of compounding and build a good corpus through disciplined and affordable investment habits.

To save in a disciplined manner, you can choose the SISO approach, which not only helps you save systematically but also generates a regular source of income from the corpus created. So, use the Cost of Delay calculator to assess how costly it is to delay investments and start today.

Frequently Asked Questions

1. What is the Cost of Delay in life insurance?

In life insurance, the cost of delay measures the premium increase when you delay buying a life insurance policy. The premium increases due to two main reasons –

  1. As you age, your mortality risk increases. This increases the premium of the life insurance policy
  2. In the case of ULIPs, you might have to pay a higher premium to create a desired corpus when you start late and have a fixed investment horizon

2. How does delaying life insurance affect premiums?

Delaying would lead to an increased premium in traditional life insurance policies as your mortality risk increases with age. In the case of ULIPs, you might have to invest more to create the corpus needed for your financial goals when you delay, and the investment horizon reduces.

3. Can I recover the lost benefits if I delay my purchase?

It is difficult to recover the lost benefits when you delay your purchase. The premium of life insurance policies is determined on the date you buy the policy. So, the benefit of a lower premium at early ages cannot be recovered.

4. Is the Cost of Delay Calculator applicable to all types of life insurance policies?

The cost of delay is usually applicable to ULIPs, wherein you assess the effect on the fund value when you delay buying the plan. In the case of traditional policies, the calculator might show the difference in the maturity benefit when you buy at a younger age as compared to older age, while in term plans, the change is typically reflected in the premium.

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