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Cost of Delay Calculator

It's time to take timely investment steps to secure your future when the living costs in India continue rising. Every passing day makes it more challenging with rising grocery bills and real-estate prices to wait to invest, and so it will eat into your returns. With the power of compounding and an early start, you can always stay ahead of inflation and make a comfortable cushion for yourself.

Our Cost of delay calculator is here to help you see the bigger picture. With a few details, you can see how much money you'll stand to lose financially if you put off your investments. Let's explore why this tool matters and how it can guide you toward a more confident financial journey.

It's time to take timely investment steps to secure your future when the living costs of India continue rising. Every passing day... Read moremakes it more challenging with rising grocery bills and real-estate prices to wait to invest, and so it will eat into your returns. With the power of compounding and an early start, you can always stay ahead of inflation and make a comfortable cushion for yourself.
Our Cost of delay calculator is here to help you see the bigger picture. With a few details, you can see how much money you'll stand to lose financially if you put off your investments. Let's explore why this tool matters and how it can guide you toward a more confident financial journey. Read less

Current age (Invest now)

Start at age (Invest later)

Invest till age (years)

Monthly investment (₹)

Expected annual returns (%)

Proceed

It's time to take timely investment steps to secure your future when the living costs of India continue rising. Every passing day makes it more challenging with rising grocery bills and real-estate prices to wait to invest, and so it will eat into your returns. With the power of compounding and an early start, you can always stay ahead of inflation and make a comfortable cushion for yourself.

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Cost of delay

₹1,62,95,942

Start at age 25

Final value of investment

₹1,76,49,569

Total investment

₹18,00,000

Start at age 35

Final value of investment

₹49,95,740

Total Investment

₹12,00,000

What is a Cost of Delay Calculator?

A Cost of delay calculator is a simple, powerful tool that calculates the amount of potential growth you miss out on by delaying your contributions. When using this calculator, it takes into account factors such as your intended investment amount, expected return rate, and the period you delay your contribution. It gives you an instant snapshot of the long-term impact of waiting - making you see how even a short delay cuts down the overall returns to your investments.

In short, it's an eye-opener, because it presents you with the real cost of procrastinating about your financial decision. Once that cost appears upfront, taking proactive steps and making an ideal investment is pretty easy so that in maintaining a path toward your goals, you won't be hampered by rising living expenses.

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

Solution Composition

Param Raksha Life Pro is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V01) and (2) Tata AIA Vitality Protect Advance A Non-Linked, Non- Participating Individual Health Product (UIN: 110N178V01).

Tata AIA

Fortune Guarantee Plus

100% Guaranteed¹ & Tax-free returns²
Get back 100% premiums paid³
Long term income + life cover

Calculate Returns

Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V13)

In this policy, the investment risk in investment portfolio is borne by the policyholder

Tata AIA

Smart SIP

28.22% returns (Benchmark: 17.41%)⁴
Zero premium allocation charges
Unlimited fund switches

Calculate Returns

The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year. Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN:110L174V01)

Why Should You Use a Cost of Delay Calculator?

Clarity on Missed Opportunities

It ends the suspense of "what ifs" by providing you with clear estimates of what you could be missing in potential growth. Vague doubts turn into clear actionable insights.

Helps in Taking Early Action

Delaying investment does not simply mean waiting but may even mean missing the compounding power of returns. The earlier the investment, the longer money will work for you, which, in turn, will make a more secure future.

Aids in Setting Financial Goals Priorities

Whether you want to buy a house, pay for your child's education, or plan for retirement, knowing the cost of delay can motivate you to align your investments with your life aspirations.

Facilitates Informed Decisions

This calculator measures potential losses and drives home the importance of acting now. It simplifies your decision-making and helps you weigh the pros and cons of immediate versus delayed contributions.

How Does the Delay Cost Calculator Work?

Easy to Understand and Use

You don't have to be a financial advisor. Just give it the desired amount you invest, the target rate of return, and then the number of years you wait. The solution is presented to you in terms that are easy to read and understand.

Motivation via Actual Numbers

Having data that is concrete often motivates us more than abstract ideas. Such an exact figure of what you stand to lose may be the nudge you need to invest sooner rather than later.

Personalized to Your Goals

Each one of us has unique financial goals. This calculator lets you play around with different amounts and timelines so you can find the strategy that best aligns with your needs and aspirations.

Optimum Time Utilization

Because the calculator saves time by giving you quick results, you can then utilize that saved time in researching other options to invest in, consulting experts, or adjusting your financial plan.

What Should One Keep in Mind While Using the Cost of delay calculator?

Use Realistic Assumptions

Always input a realistic rate of return based on your chosen investment avenue. Overestimating returns can paint an overly optimistic picture, while underestimating may lead to conservative decisions.

Consider Inflation’s Impact

With the cost of living in India on the rise, be mindful of how inflation can affect your investment’s real value. Your calculator’s rate of return should ideally factor in or exceed prevailing inflation rates.

Revisit as Markets Change

The dynamics of the market may change, affecting returns. One should always revisit the calculator periodically to update oneself and make the necessary adjustments.

Think Long-Term

While the calculator looks at what you might lose if you delay, it is equally important to consider the larger long-term advantages of regular investment. A short wait may be bearable, but long-term delays may drastically affect your returns.

Seek Professional Guidance

Though the calculator is a great starting point, professional advice from our team of advisors can help interpret the results within your broader financial plan. Connect with reliable advisors who understand your personal goals and risk preferences.

Using our Cost of delay calculator, you can make informed decisions and take charge of your financial future. Together, let's build a strategy that not only helps you stay ahead of India's rising living costs but also paves the way for greater financial peace of mind in the years to come. After all, the sooner you invest, the brighter your tomorrow can be.

The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V13) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
Tata AIA Smart SIP - Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN:110L174V01)
¹Guaranteed Income shall be total of Guaranteed annual Income plus Income Booster payable in a year. Guaranteed 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.
²Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies, maturity income will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. For non ULIP insurance policies, maturity income will be taxable if annual aggregate premium exceeds ₹5 Lakh in a financial year. Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
³Return of Premium shall be the sum of Guaranteed Maturity Benefit plus Milestone Benefit and shall be payable at the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
⁴5-year computed NAV for Multi Cap Fund as of Nov 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200.

These products are underwritten by Tata AIA Life Insurance Company Limited.
The customer is advised to refer the detailed product brochure of respective individual products, segregated premium particulars of each product.
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.
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.
Premium excludes the taxes, rider premiums, underwriting extra premiums, loading for modal premiums if any.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and conditions of this plan are specified in the Policy Contract.
Risk cover commences along with policy commencement for all lives, including minor lives.
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.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
For Tata AIA Smart SIP
- In this policy, the investment risk in investment portfolio is borne by the policyholder. The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- The fund is managed by Tata AIA Life Insurance Company Ltd. 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.
- Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
- Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
- Please make your own independent decision after consulting your financial or other professional advisor.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company, Tata AIA Life Insurance Smart SIP is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
- The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
- Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
- Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
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/2025/Feb/0490