Cost of Delay Calculator FAQ

The estimated opportunity cost of starting later vs starting now under the same assumptions.

Try low/base/high scenarios instead of one number. Keep it consistent across comparisons.

No. It’s an input for modeling; real outcomes can differ and can be negative.

Compounding is sensitive to the rate and time horizon, so small changes can shift results meaningfully.

Use the figure that matches your return context. Keep the same basis across scenarios for fairness.

The time you wait before starting. The model compares starting now vs after that window.

It can. The impact depends on rate, horizon, and amount. Test it to see the gap.

During the delay period, that scenario hasn’t begun compounding yet.

Longer horizons can amplify differences; shorter horizons reduce them. Keep horizons consistent when comparing.

Yes. Run a scenario, then save it and create another to compare overlays and tables.

Keep amount, rate, horizon, and frequency the same. Change only the delay window.

Common sets: start now, +6 months, +12 months. Add +24 months if you want a wider view.

Yes—save each delay as a scenario with identical assumptions, then view them side-by-side.

Inflation reduces purchasing power. You can test a lower “real” assumption alongside a nominal one.

Yes. Fees reduce net outcomes and can widen the gap. Model them with a lower net rate if needed.

Approximate by lowering the rate assumption to account for fee drag.

They can. Taxes reduce net growth. Rules vary by country/provider.

Use a lower “net” rate assumption as an approximation. This is not tax advice.

Check rate format (5 vs 0.05), delay units, and horizon. Keep comparisons consistent.

Enter 5% as 5 if the field expects a percent. If it expects a decimal, use 0.05.