Cost of Delay Calculator
Discover the true financial cost of delaying your investment and savings decisions
Calculate compound interest impact of delayed investing
£
Amount you want to invest
years
How long you plan to invest for
Choose your investment approach
Cost of Delay Results
Invest Today
£10,000
Delay 1 Year
£10,200
Delay 5 Years
£11,040
Delay 10 Years
£12,190
Cost Summary
Cost of 1 Year Delay
£200
Cost of 5 Year Delay
£1,040
Cost of 10 Year Delay
£2,190
Investment Timing Insights
The Power of Starting Early
- 10 years earlier = 2-3x more wealth
- Compound interest accelerates over time
- Small amounts early beat large amounts late
- Time is your most valuable asset
- Consistency matters more than timing
Common Delay Excuses
- "I'll wait for the right time"
- "I need to save more first"
- "The market is too high"
- "I'll start when I earn more"
- "I need to pay off debt first"
Catch-up Strategies
- Increase monthly contributions
- Extend working years
- Take on higher risk investments
- Reduce retirement lifestyle expectations
- Utilise catch-up contributions (pensions)
UK Investment Options
- ISA: £20,000 annual allowance
- SIPP: Up to £60,000 annually
- General Investment Account
- Workplace pension
- Premium Bonds: Up to £50,000