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Cost of Delay Calculator

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Cost of Delay

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The maturity benefit equals to ₹ 22,80,000

if you start investing TODAY

The maturity benefit equals to ₹ 27,80,000

Total cost of delay

₹ 3,65,234 3.6 Lakhs

Have you ever delayed making an important decision only to realise later that that delay was unnecessary? The same rule applies to your investments; the later you start investing, the more time and opportunities you lose. Investments are a huge process, and there is a lot to learn as time goes by. Hence, if you start early, you start the learning process early as well.

However, that does not mean you should not make any investments at all if you are delayed by 5-10 years. The cost of delay calculator can help you with your investments if you want to compensate for the lost time. With the help of this delay cost calculator, you may also expect similar returns as someone who may have started an early investment.


What is the Cost of Delay Calculator?

What is the Cost of Delay Calculator?

The cost of delay calculator is a user-friendly online tool that helps you calculate how much more you need to invest in case of a late investment. When you start investing late in life, you miss out on time and the amount that you could have saved or invested in those years.

The delay cost calculator will show the exact amount needed to boost your current investment so that this loss of time does not continue to affect your investments. As a result, you can expect similar returns as you would receive had you started an early investment. The online calculator is easily available on your life insurance provider’s website and many other sites, but it is always better to access online calculation tools from a reliable website so that you do not come across faulty tools.

Don’t Delay! – Start planning now to Fulfil your Life Goals

Why Should You Use a Cost of Delay Calculator?

Generally, most investors know the importance of starting their investments early in life. They understand that each year matters for long-term investment, and they can also choose to start small if they have certain initial financial constraints. But in case you have some financial emergencies and responsibilities during your youth that do not enable you to save or invest enough funds or even start a basic investment, you have no choice but to wait until a few years.

Naturally, the loss of time means that your investment tenure will be shorter, and you may miss out on some investment opportunities. In most cases, if you have already planned out your investment but cannot proceed with it, the loss of time can be a major setback. 

With the help of a delay cost calculator, you can start your investment late and compensate for the lost time by investing an additional amount to meet your expected returns. Unfortunately, it is this additional investment most late investors struggle with which makes the use of a cost of delay calculator necessary.


Benefits of Using a Cost of Delay Calculator

The cost of delay calculator can be an important part of your investments as you can catch up with missed investment opportunities. But it is also important that you are financially able to compensate for the delay in your investments. Here are some benefits of using a cost of delay calculator:

  • 01

    Earn Compound Interest

    The use of the calculator can help you choose investments that enable you to earn compound interest. However, if you start investing late, earning simple interest through bank savings may not suffice to cover the cost of delay.
  • 02

    Prioritise Investments

    If you do not feel ready for certain investments, based on the additional amount to be invested, as shown on the calculator, you can opt for some other investment based on your risk profile for the time being.
  • 03

    Make Informed Decisions

    Since you will know through the calculator how much you need to add to your investment to cover the cost of delay in investment, you will need to concentrate on your investments. But instead, you can choose a few small investments for better management.
  • 04

    Realistic Results

    Being an online tool that works on a fixed algorithm, there is very little to no scope for errors in the cost of the delay calculator. You will be shown the results on the screen as per the information you fill in on the calculator.

Know More About Our Best-Selling Savings Plan – Tata AIA Fortune Guarantee Plus

Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V09)

Tata AIA

Fortune Guarantee Plus

Key Features:

  • Get guaranteed* tax free# returns

  • Health Cover against 40 critical illnesses$

  • Save tax# up to 46,800+

  • Get your premiums^ back at the end of the income period.

  • Choose income monthly or annual basis, as per convenience

*T&C apply

How Does the Cost of Delay Calculator Work?

A delay cost calculator is simply an online tool that works through a formula to identify your cost of delay in investment. Therefore, all the fields on the calculator will have to be filled in as per your understanding. Therefore, this tool can only show you results based on the information you provide but not suggest any changes to the details or identify your risk profile.

It also cannot ensure that your returns will be guaranteed, as the choice of investment is a personal preference and needs to be planned by you, the investor.

For instance, if Nidhi wants to compensate for a delay of 5 years in her investment, it means she has lost 5 years of her investment tenure. She can start by mentioning the delayed tenure of 5 years, the monthly investment amount, which can be ₹10,000 and the investment tenure of 20 years, along with the rate of expected returns of 10%. The results on the calculator will show her the cost of delay in investment, how much she could have invested in those 5 years and how she can cover this delay in the next 20 years of her investment.

How To Use a Cost of Delay Calculator?

A lot of investors also use the cost of delay calculator to start new investments so that they can opt for a different investment instrument and not because they are starting late. It is simple to use a cost of delay calculator if you follow the steps given below.

This is because they may not have had the risk capacity to invest in those instruments 5-8 years ago, and now that they have been able to build their risk tolerance, they can go for some newer options. 

To use a cost of delay calculator online, visit the official website of Tata AIA Life Insurance and:

  1. Hover on the Calculators tab on our homepage and select the cost of delay calculator.

  2. Mention all the details, such as the investment amount or SIP, the expected return, the investment tenure, the delay in years or months, etc.

  3. After submitting this information, click on submit to understand the exact amount that you will need to add to your monthly investment to get the expected returns.

  4. Once you get the result, it can also help you plan what financial instruments you can now opt for to reach your desired financial corpus.


Though it is always advisable to start investing early, many situations may obstruct one’s chance at an early investment. The cost of delay calculator is meant to help investors reach their desired goals and earn expected returns on their investment, despite this delay. Moreover, it can immensely help you compensate for the loss of time by calculating the amount that needs to be added to your upcoming investments.


Frequently Asked Questions

What is the significance of quantifying the cost of delay?

It is important to measure the cost of delay in investment so that you can understand how much you need to invest or save to be able to earn the desired returns on your investment if you start investing late in life.

This helps you make an informed decision regarding the choice of investment and investment tenure. The cost of delay is to compensate for the lost time and the amount you would have been able to invest in case of an early investment.

What are the benefits of investing early in life?

Here are the three main benefits of investing early in life:

  • First, you can invest small amounts of money for a greater number of years.

  • With a regular habit of investing, you can control your expenses better.

  • Third, your investment can grow through the power of compounding or compound interest.

What is the advantage of long-term investment?

The primary advantage of long-term investment is that you can invest for a longer period of time and start with a small investment which can be increased later on. Long-term investments are also relatively more immune to market fluctuations as compared to short-term investments.

Is it good to invest early or later?

It is always advisable to start your investments early. By doing so, you can start with small but regular investments in case you do not have enough funds initially. But with time, you can increase the investment amount and also grow your risk-taking capacity. On the other hand, if you start your investments late, the investment tenure will be shorter, and with fewer investment options, there will be less scope for increasing your risk capacity.

Can life insurance help reduce the cost of delay?

If you start an investment in a savings plan in your early years, then you can invest over a longer investment tenure and earn better returns. Even in the case of a simple term insurance policy, buying the term plan early can help protect your family for a longer policy term and reduce the cost of delay since younger lives are insured at lower premiums, owing to lower health risks.

What is an investment in a life insurance policy?

A life insurance policy such as a Unit-Linked Insurance Plan offers the dual benefit of investment and life insurance under one policy. Under a ULIP, you can earn market-linked returns by investing some amount through your policy premiums. Then, on policy maturity, you get the market-linked returns as the maturity benefit, subject to your survival till the end of the policy term.

What are the advantages of investing in life insurance plans?

The primary advantage of investing in life insurance plans is that you can secure your family’s financial future. Moreover, in the event of your demise, the policy’s sum assured can help your dependents sustain their livelihood and meet their financial goals.

If you have a life insurance savings plan, you can also regularly save or invest a fixed amount of money through your premium payments during the policy period. This way, you can build a financial corpus that will help you meet your future goals.  A life insurance retirement plan also helps you plan your finances for your retirement years, with the benefit of regular income and life cover.


  • The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V09) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.

  • *“Guaranteed Annual Income” shall be a fixed percentage of the Annualised Premium / Single Premium (excluding discount) payable in a year. Guaranteed Annual Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.

  • #Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.

  • +Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess if any will be charged extra as per prevailing rates. The Tax Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

  • $Available under Regular Income with an Inbuilt Critical Illness Benefit option 

  • ^Return of Premium shall be the return of Total Premiums Paid (excluding loading for modal premiums, discount, any extra premium, rider premium and taxes) by the policyholder and shall be payable at the end of the Income Period irrespective of survival of the life insured(s) during the Income Period.

  • This product is underwritten by Tata AIA Life Insurance Company Ltd.   

  • The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance.

  • Insurance cover is available under this product.

  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.

  • Buying a Life Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.

  • In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.

  • Risk cover commences along with policy commencement for all lives, including minor lives.

  • Policies sourced through PoS Channel will not have any medical examination. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.

  • All Premiums and interest payable under the policy are exclusive of the taxes, rider premiums, underwriting extra premiums, loading for modal premiums, if any which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.

  • This publication is for general circulation only. This document is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. This document is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.

  • L&C/Advt/2023/Apr/1152