Don't Delay Your Savings Calculator

See how delaying savings significantly reduces your long-term results.

  • Methods explained
  • Save scenarios
  • Compare saved scenarios

Savings Plan

$
%
30 years
5 years

Cost of Delay

Start Today
$613,543.75
After 30 years
Delay 5 Years
$407,398.56
After 25 years
Cost of Delaying$206,145
Lost Contributions$30,000
Lost Interest$176,145

Delaying just 5 years costs you $206,145.19! That's $30,000 in lost contributions and $176,145.19 in lost compound growth.

How it works›

Model and assumptions. Compares the compounded value of deposits started now with the same saving pattern begun after the entered delay. The difference includes missed contributions and their growth. The return is constant and does not model market volatility or taxes.OpenStax: annuity formulas