Start Now vs Start Later – Investing Cost of Delay
Future value – Scenario A
£0
Future value – Scenario B
£0
Extra by starting earlier
£0
Total contributions (A)
£0
Total contributions (B)
£0
Growth portion (A vs B)
£0
Assumes monthly compounding. Scenario A and B use the same contribution and return but different investing durations. “Inflation‑adjusted” reduces the nominal future values by your inflation assumption.