Retirement calculator
The Cost of Waiting
We compare the future value at retirement of the same monthly contribution started today versus started after a delay. The difference is the "cost" of waiting — driven almost entirely by the compounding years you give up.
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The Cost of Waiting
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The method
How it works
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We treat your contribution as a level monthly deposit (an ordinary annuity).
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Start now: the deposit compounds for all the months until retirement.
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If you wait: the same deposit compounds only for the months that remain after the delay.
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Cost of waiting = (start-now value) − (delayed value).
FV = PMT · (((1+i)^n − 1) ÷ i), with i = annualReturn/12 and n the number of contributing months; cost = FV(now) − FV(delayed).
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