What does waiting to start cost me?

Compare starting to save today with starting a few years later. Same monthly amount, same retirement date. The difference is what the wait costs.

Waiting costs you

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Start today

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Start later

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Monthly saving to catch up

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Less money put in

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Start now vs start later

Start today Start later

Year-by-year table

Wait	Portfolio at retirement	Cost of waiting

Results assume the same return every year. Savings are added at the end of each month.