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About this calculator
Starting later means less time for growth. See the difference a delay makes, and how much more you would need to invest each month to catch up.
How is this calculated?
Compares the future value of the same monthly SIP started now and after the delay, both ending at the same date. The catch-up SIP is the amount that reaches the “start now” value in the shorter period.
Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.