Calculator

Cost of Waiting to Invest Calculator

Same monthly contribution, same assumed return — the only variable is when you start. Here's what a delay actually costs you.

$
yrs
%
yrs
Start now
$0
investing for 35 years
Start after the delay
$0
investing for 25 years
The cost of waiting

$0

Why does starting early matter this much? Read why starting to invest young beats starting with more money later.
Read the article →

The 7% default assumed return is based on the long-run historical inflation-adjusted average of the US stock market and is not guaranteed. This calculator is for educational purposes only and does not constitute financial, investment, or tax advice. Consult a licensed financial advisor or CPA about your specific situation.