Cost of Delay Calculator
Compare month-end contribution scenarios ending at the same target, including user-selected delays and negative growth.
A QUICK WALKTHROUGH
How to use this tool
- Compare month-end contribution scenarios ending at the same target, including user-selected delays and negative growth.
- Calculate the result.
- Copy the report or download it as TXT.
Formula and units
Monthly rate = annual %/1200. Start V=0; repeat V ← V×(1+monthly rate)+contribution at each month end. Compare 12Y months against 12(Y−delay). At zero rate V = contribution×months. Growth difference = value difference − contributions not made.
Scope
This is a constant nominal monthly-rate scenario, not an effective annual rate or a lump-sum calculation. Annual rates above −100% may be negative, so growth differences can be negative. Both plans use the same monthly amount and finish together. No inflation, taxes, fees, alternative use of delayed money or guaranteed return is modelled. Comparisons are user-entered delays, not advice.
Local processing
Your entries stay in your browser. Copy and TXT export include the inputs, formula and scope.
GOOD TO KNOW
Common questions
How should I use the result?
Use it as an arithmetic estimate based on your supplied inputs.