Calculators / Cost of Waiting
Cost of Waiting
"How much future wealth do I burn for every year I delay starting?"
Time (t) is an exponent, and the cost of waiting is exponential.
— Debugging Your Personal Finance, Chapter 7
If you start today: —
If you delay: —
Cost of waiting: —
Compares two deterministic compound paths. Real returns vary year-to-year; volatility is not modeled.
From Chapters 7 and 15 of Debugging Your Personal Finance. Simple calculator · Inputs stay in your browser · Not financial advice.
A simplified calculator for education, not financial advice. See the disclaimer.