What-If Investing Calculator

Small changes, large differences

When you decide whether to invest an extra ₹2,000 or ₹3,000 a month, the choice feels minor. Over 20 or 25 years it rarely is. This tool puts two versions of your plan next to each other so the long-term difference is visible before you decide.

Use it two ways. Keep the delay at zero and compare two monthly amounts. Or set the same amount in both scenarios and add a delay to Scenario B to see the cost of starting later.

Worked example

The cost of waiting

Try setting both scenarios to the same SIP and delaying B by five years. The gap is usually much larger than five years of contributions, because you lose the final years of compounding, which are the most valuable. With Scenario A's numbers, the last five years alone add about ₹35.85 lakh.

Turning the insight into action

• If Scenario B is clearly better, set up the higher SIP now rather than waiting for a "better time".
• If B feels unaffordable today, a step-up SIP lets you start at A's amount and grow into B's.
• Found spare money after checking your budget? The Money Score checks your emergency fund and debt first.

Ideas to test

• The coffee test: compare your current SIP with one ₹3,000 higher, the cost of a few takeaways a week.
• Raise now or next year: set Scenario B to the higher amount with a one-year delay, and see what waiting costs.
• Starting at 25 vs 35: keep the amounts equal and set a 10-year delay. The gap is usually startling.

Frequently asked questions