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  • Deprecated function: Creation of dynamic property Drupal\tablefield\TableValue::$value is deprecated in Drupal\Core\TypedData\TypedData->setValue() (line 102 of core/lib/Drupal/Core/TypedData/TypedData.php).
    Drupal\Core\TypedData\TypedData->setValue(NULL, ) (Line: 87)
Drupal\Core\TypedData\Plugin\DataType\Map->setValue(Array, ) (Line: 125)
Drupal\Core\Field\FieldItemBase->setValue(Array, ) (Line: 206)
Drupal\tablefield\Plugin\Field\FieldType\TablefieldItem->setValue(Array, ) (Line: 208)
Drupal\Core\TypedData\TypedDataManager->getPropertyInstance(Object, 0, Array) (Line: 91)
Drupal\Core\Field\FieldTypePluginManager->createFieldItem(Object, 0, Array) (Line: 41)
Drupal\Core\Field\FieldItemList->createItem(0, Array) (Line: 69)
Drupal\Core\TypedData\Plugin\DataType\ItemList->setValue(Array, ) (Line: 107)
Drupal\Core\Field\FieldItemList->setValue(Array, ) (Line: 208)
Drupal\Core\TypedData\TypedDataManager->getPropertyInstance(Object, 'field_calc_table', Array) (Line: 83)
Drupal\Core\Field\FieldTypePluginManager->createFieldItemList(Object, 'field_calc_table', Array) (Line: 633)
Drupal\Core\Entity\ContentEntityBase->getTranslatedField('field_calc_table', 'x-default') (Line: 597)
Drupal\Core\Entity\ContentEntityBase->get('field_calc_table') (Line: 325)
Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281)
Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18)
Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238)
Drupal\Core\Entity\EntityViewBuilder->build(Array)
call_user_func_array(Array, Array) (Line: 111)
Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859)
Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68)
__TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111)
__TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array, ) (Line: 238)
Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627)
Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231)
Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128)
Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90)
Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object)
call_user_func(Array, Object, 'kernel.view', Object) (Line: 111)
Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186)
Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76)
Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58)
Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28)
Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32)
Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191)
Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128)
Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82)
Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36)
Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704)
Drupal\Core\DrupalKernel->handle(Object) (Line: 21)
  • Deprecated function: Creation of dynamic property Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::$ModuleHandler is deprecated in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct() (line 57 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
    Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct('tablefield', Array, Object, Array, 'hidden', 'default', Array, Object, Object) (Line: 64)
Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::create(Object, Array, 'tablefield', Array) (Line: 64)
Drupal\Core\Field\FormatterPluginManager->createInstance('tablefield', Array) (Line: 126)
Drupal\Core\Field\FormatterPluginManager->getInstance(Array) (Line: 205)
Drupal\Core\Entity\Entity\EntityViewDisplay->getRenderer('field_calc_table') (Line: 241)
Drupal\Core\Entity\Entity\EntityViewDisplay->buildMultiple(Array) (Line: 339)
Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281)
Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18)
Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238)
Drupal\Core\Entity\EntityViewBuilder->build(Array)
call_user_func_array(Array, Array) (Line: 111)
Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859)
Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68)
__TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111)
__TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array, ) (Line: 238)
Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627)
Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231)
Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128)
Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90)
Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object)
call_user_func(Array, Object, 'kernel.view', Object) (Line: 111)
Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186)
Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76)
Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58)
Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28)
Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32)
Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191)
Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128)
Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82)
Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36)
Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704)
Drupal\Core\DrupalKernel->handle(Object) (Line: 21)
  • Warning: Undefined array key "caption" in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->viewElements() (line 150 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
    Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->viewElements(Object, 'en') (Line: 91)
Drupal\Core\Field\FormatterBase->view(Object, 'en') (Line: 268)
Drupal\Core\Entity\Entity\EntityViewDisplay->buildMultiple(Array) (Line: 339)
Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281)
Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18)
Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238)
Drupal\Core\Entity\EntityViewBuilder->build(Array)
call_user_func_array(Array, Array) (Line: 111)
Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859)
Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68)
__TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111)
__TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array, ) (Line: 238)
Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627)
Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231)
Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128)
Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90)
Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object)
call_user_func(Array, Object, 'kernel.view', Object) (Line: 111)
Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186)
Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76)
Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58)
Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28)
Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32)
Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191)
Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128)
Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82)
Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36)
Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704)
Drupal\Core\DrupalKernel->handle(Object) (Line: 21)

SIP Cost of Delay Calculator

Find out what postponing your SIP by 6 to 36 months really costs you in final corpus by the same end date.

What does delaying a SIP cost?

Everyone means to start investing soon — after the bonus, after the trip, once markets settle. This calculator puts a rupee figure on that wait. It compares the corpus a monthly SIP reaches if you start today with the corpus the same SIP reaches if you start 6 to 36 months later, both measured on the same end date.

The gap is the cost of delay, and it is always far larger than the instalments you skipped. The months you lose are not the last months of the plan — they are the first months of compounding, the ones your earliest deposits would have grown through for the entire horizon.

The cost-of-delay formula

Cost of delay = FV(n) − FV(n − d)

  • FV(m) — the future value of a monthly SIP that runs for m months, using the standard annuity-due SIP formula (deposit at the start of each month)
  • n — the total months in your horizon, counted from today
  • d — the months you wait before the first instalment

Both legs use exactly the SIP calculator’s math; the delayed leg simply makes d fewer deposits and finishes on the same end date. If the delay is as long as the horizon, the delayed corpus is zero and the cost equals the entire start-today corpus.

How to use this calculator

  1. Enter the monthly SIP amount you intend to invest, from ₹500 up.
  2. Set the expected return (p.a.) — 12% is a common long-term equity assumption.
  3. Set the investment horizon (from today) in years and months. The end date stays fixed; delaying does not extend it.
  4. Pick how long you might put it off under if you delay starting by: 6 months, 1 year, 2 years or 3 years.
  5. Compare corpus if you start today with corpus if you delay — the highlighted cost of delaying is the difference. The two invested figures show how little of that gap comes from the deposits you skipped.

A worked example

₹15,000 a month at 12% p.a. over a 20-year horizon, started one year late:

  • Corpus if you start today: ₹1,49,87,219 — about ₹1.5 crore
  • Corpus if you start after 12 months: ₹1,31,29,881
  • Cost of delaying: ₹18,57,338
  • Deposits skipped by waiting: only ₹1,80,000 (₹36,00,000 invested against ₹34,20,000)

The year of waiting keeps ₹1.8 lakh in your pocket but forfeits ₹18.57 lakh of final corpus — more than ten times as much. That asymmetry is the whole argument for starting now.

The longer the wait, the steeper the bill

You start after Corpus at year 20 Cost of delay
Today ₹1,49,87,219 —
6 months ₹1,40,30,837 ₹9,56,382
1 year ₹1,31,29,881 ₹18,57,338
2 years ₹1,14,81,589 ₹35,05,630
3 years ₹1,00,18,812 ₹49,68,406

₹15,000 monthly SIP at 12% p.a. with a 20-year horizon from today, computed with the same annuity-due engine as the calculator above. Expected returns are assumptions, not guarantees.

Cost of delay, answered

Why the gap is so large, what the comparison assumes, and whether waiting for a dip helps.