Online Financial & Investment Calculators
Cost of Waiting Calculator
The True Cost of Delaying Your Investments
One of the most important principles in investing is the time value of money. Every year that passes without your money being invested is a year of returns lost forever. The Cost of Waiting calculator illustrates the true price of procrastination in investing — and proves that time in the market beats timing the market.
This calculator shows you exactly how much money you’ve lost by not starting to invest earlier. It’s not about blame — it’s about motivation to start now, because the best time to invest was yesterday, and the second best time is today.
How to Use the Cost of Waiting Calculator
Enter your monthly investment amount, your start age, a comparison start age (e.g., if a friend started earlier), your retirement age, and expected annual return (the S&P 500 has averaged ~10% annually over decades). The calculator compares both scenarios and shows the ‘penalty’ — the difference in final value between starting early versus starting late.
Our Accounting Services
Auditing
We deliver thorough and dependable professional auditing services tailored to meet the unique needs of public entities, educational institutions, not-for-profit organizations, and small businesses.
Bookkeeping & Payroll Processing
We provide your small business with full service bookkeeping and payroll processing, including direct deposits, payroll reports, tax planning, business planning, and more.
Tax Prepartion & Planning
We work to make sure your year-end taxes are done properly so you get the tax refund you're entitled to. For your peace of mind, we'll complete your electronic filing for you.
Contact Us
Quality auditing, accounting, payroll, and tax services from Corson, Peterson & Hamann S.C. in Sheboygan, Wisconsin.