Each year you wait shortens the compounding period and raises the monthly SIP needed to reach the same retirement corpus. The delay table shows extra monthly investment for 1–10 year delays.

Today's monthly expense is inflated to retirement, then the present value of inflation-indexed withdrawals over your retirement years is computed at a post-tax return.

Expenses until retirement grow at pre-retirement inflation. During retirement, withdrawals typically rise each year at a retirement inflation assumption — both affect the corpus target.

No. Mutual fund and market-linked SIP returns vary. Use conservative post-tax return assumptions for planning.

Fewer years of compounding means each remaining month must contribute more to hit the same inflation-adjusted retirement corpus. This retirement / cost-of-delay calculator shows the extra monthly SIP for each year you wait.

Open the delay table after entering expense, inflation and return assumptions. A 5-year delay typically needs a noticeably higher SIP to hit the same corpus because compounding years are lost. Figures are illustrative only.

Starting earlier usually needs a smaller monthly amount for the same goal because money compounds longer. Compare delay years in this calculator with your own return/inflation inputs — markets and income paths vary.