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Everything you might be putting off
Each page works out what waiting costs for one thing, with your own numbers, or how much it weighs on you when it can't be counted. Or pick up to five at once for your Delay Statement.
By what's happening in your life
Money
- What waiting to start saving costs youSee what a late start costs your own monthly saving plan, in today's money after tax, on low, middle and high growth paths.
- What a credit card balance costs you each daySee the daily cost of a card balance, how long the minimum due takes to clear it, and the interest and GST along the way.
- How many hours of work a spend really costs youTurn a monthly spend into hours of your working life, using your real hourly pay after work costs and travel time.
- Income tax return due date and late fee: what filing late costsSalaried people file by 31 July, and business income without an audit by 31 August. Late, it's a ₹1,000 or ₹5,000 fee plus interest. See your cost.
- GST late fee calculator: what filing late costs each dayA late GSTR-3B costs ₹50 a day (₹20 for a nil return), plus 18% a year interest on tax paid late. See what late is costing you.
- MSME delayed payment: the interest a late client owes youBuyers must pay registered micro and small businesses within 45 days, or owe compound interest at 3 times the RBI bank rate. See what yours owes.
- Pension life certificate: the dates to give it each yearPensioners give a life certificate between 1 and 30 November, or from 1 October at 80 and over. Miss it and the pension can pause.
Work
- What putting off a raise or a job switch costs youSee the pay you miss while a raise talk or a job switch waits, and how the gap grows with every later raise.
- Career change at 30, 40 or any age: how much it weighs on youThinking of changing your career? Weigh how much it matters to you and how much you'd regret not trying, then take one small step to find out more.
- Starting something of your own on the side: how much it weighs on youA side business, a channel, a shop or an app: weigh how much your idea matters to you, and write down the smallest version you could try.
- Start your startup: how long you could try it, and whether it's too lateWork out your runway from your own savings and costs. It's rarely too late: the average founder of the fastest-growing new firms started at 45.
- Commute time calculator: your daily travel in days a yearTurn your commute into full days a year, and see what one more day at home each week would give back.
- Unused leave: the rest you give back for freeSee how many leave days will lapse this year, and what that rest is worth at your daily pay. 59% of Indian employees report signs of burnout.
- Overtime calculator: the hours past your contract, in working daysTurn the hours you work past your contract into working days a year. 51% of India's workers put in 49 or more hours a week.
- Gratuity calculator: when it starts, and roughly how muchPermanent staff get gratuity after 5 years, and fixed-term staff after 1 year since the 2025 labour codes. See your date and rough amount.
- Old PF accounts: check they're all under one UANChanged jobs a few times? See how many old PF accounts may be sitting apart, and the five-minute check on the EPFO portal.
Learning
- What putting off learning a skill or language costs youCount the practice hours you'd already have if you'd started on time, against your own goal.
- Learn a new language: the hours it takes, and the hours you've missedSee how many hours of practice you'd have by now, against the 600 to 750 hours a language close to English can take.
- Your company's learning budget: what's still unusedMany companies give a yearly budget for courses. See how much of yours is still unused, and when it runs out.
- Education loan interest while you study: what builds upSee how much interest builds on your education loan before you start repaying, and what it adds each day, from your own loan letter.
- How many books you can still readCount the books ahead at your reading pace and at the pace you'd like, using the average adult reading speed of 238 words a minute.
- Go back to studying: how much it weighs on youWeigh how much going back to study matters to you, and find one first step for today. Many big exams have no age limit.
Moving abroad
- Canada Express Entry: what each birthday costs in pointsSee your CRS age points now, what your next birthday costs, and how waiting has changed your score.
- Australia skilled visa: how your age points changeSee your age points for Australia's points-tested skilled visas, when they drop, and when the door closes at 45.
- Germany's Opportunity Card: your age points and what you needSee your age points for Germany's Opportunity Card (Chancenkarte) and the 6 points you need in all.
- Australia's Work and Holiday visa for Indians: ballots leftSee how many yearly ballots you have left for Australia's Work and Holiday visa, open to Indian citizens aged 18 to 30.
- UK Young Professionals Scheme for Indians: ballots left before 31See how many UK India Young Professionals Scheme ballots you have left. It's for Indian citizens aged 18 to 30, with two ballots a year.
- IELTS, TOEFL, PTE, GRE and GMAT score validity: when yours runs outEnglish test scores usually last 2 years, and GRE and GMAT scores 5. See how long your score has left before your applications need a new one.
- PR and citizenship timeline: when you can apply abroadSee when you can apply for Canadian citizenship, UK settlement, a German settlement permit, Australian or US citizenship, from your own dates.
Exams
- UPSC and bank PO exams: how many sittings you have leftSee how many sittings you have left for UPSC Civil Services, IBPS PO or SBI PO, by age limit, category and attempts.
- SSC CGL age limit: how many chances you have leftSSC CGL posts close at 27, 30 or 32, with more years for OBC and SC/ST. See how many sittings you have left before your post's limit.
- NDA age limit: how many NDA sittings you have leftNDA is held twice a year for about ages 16½ to 19½. See how many sittings you have left, and how many passed while you waited.
- RBI Grade B age limit and attempts: how many chances you have leftRBI Grade B is for ages 21 to 30 for General, with 6 attempts. See your sittings left by age, category and attempts used.
- State PSC age limit: count the sittings you have leftEvery state PSC sets its own age limit. Put in yours and see how many sittings you have left, and how many passed while you waited.
- JEE Advanced attempts: how many you have leftJEE Advanced gives you two attempts, in the year you finish Class 12 and the year after. See how many you have left.
- CFA attempt limit: how many tries you have left at each levelCFA Institute allows 6 attempts at each level, and at most 2 a year. See how many you have left, and why it pays to sit only when you're ready.
- Exams with no age limit: CAT, GATE and NEET UGCAT, GATE and NEET UG have no upper age limit. Waiting doesn't close the door, so count the study hours it costs instead.
Health, skin and fitness
- What putting off exercise costs you, in hoursSee the hours of movement you've missed against your own weekly aim, and WHO's 150 minutes a week.
- Strength training after 30: the sessions you've missedAfter 30, muscle mass drops by about 3% to 8% a decade. WHO suggests strength work 2 days a week. See the sessions you've missed since you meant to start.
- Daily sunscreen and skin ageing: what skipping days adds up toIn a 4.5-year trial, daily sunscreen users showed no detectable increase in skin ageing. See how many days a year your skin goes without it.
- Hair fall, acne or pigmentation: the dermatologist visit you keep putting offHair loss treatment tends to work best when it starts early. See how long you've waited, and book one small step this month.
- Sleep debt: how many hours of sleep you've missedCount the hours of sleep you've missed against your aim, and the 7 or more hours a night that sleep doctors say adults need.
- Screen time calculator: your phone hours in days a yearTurn your daily phone hours into full days a year, and see how many days your own aim would give back.
- Quit smoking timeline: what quitting does, and what waiting costsSee what quitting does to your body over time, from 20 minutes to 15 years, and what waiting has cost in your own rupees.
- Free health check-up in India at 30 and overIndia screens everyone 30 and over for blood pressure, diabetes and three common cancers for free. See how long it's been since your last check-up.
- Talk to someone about how you feel: free help in India (Tele-MANAS 14416)If you've been meaning to talk to someone about how you feel, India's free Tele-MANAS helpline is on 14416, any time. Weigh how much it's been on your mind.
Family and friends
- How many days you have left with your parentsCount the days together at your current pace, and how many more your plan would add. Gentle maths, from Tim Urban's The Tail End.
- How much time you have left with your grandparentsCount the days together with your grandparents at your current pace, and how many more your plan would add.
- Visit your hometown: the days with family you have leftCount the days with family back home at your current pace, and how many more your plan would add.
- Living abroad: the days with your parents you have leftIf you live abroad and see your parents a few days a year, count the days together you have left, and what one more visit a year would add.
- Time with your grandchildren: the days before they grow upCount the days together with your grandchildren before they turn 18, at your pace and the pace you'd like.
- Call your brother, sister or cousins: how much it weighs on youWeigh how much staying close to your brother, sister or cousins matters to you, and send one easy message today.
- Reconnect with an old friend: how much it weighs on youWeigh how much a friendship you've let drift matters to you, and find one easy first message to send today.
- Saying sorry or making up with someone: how much it weighs on youWeigh how much an unsaid sorry or an unresolved fight matters to you, and take one small step that doesn't need to be perfect.
- Telling someone how you feel: how much it weighs on youWeigh how much an unspoken feeling matters to you, from love to thanks, and pick the day you'll say it.
Travel
- How many family holidays you have left with your childrenCount the family trips left before your child leaves for college or work.
- The trip you keep putting off: how many have slipped byCount the trips that didn't happen while you waited, with friends, your partner, your parents or on your own, and pick the next one.
Inner life
- What putting off a daily quiet practice costs youCount the hours of prayer, meditation or journaling you've missed against the time you planned.
- How many weekends you have leftCount the weekends ahead at the average for your age in India, and how many went by while you waited to use them well.
- Give back or volunteer: how much it weighs on youWeigh how much giving some of your time matters to you, and find one small way to start this week.
- Is it too late to do the thing you've always wanted to do?Learning music, writing a book, a trip, a new skill: weigh how much your postponed dream matters to you, and find the very first step.
Anything else
- Sort out your life paperwork: a will, nominees and important papersThe paperwork everyone puts off: a will, nominees on your accounts, and knowing where important papers are. Weigh it and take one small step.
- Move to a new city: how much it weighs on youWeigh how much a move to a new city matters to you, and find the 3 things that would need to be true first.
- Register to vote: you can apply from 17You can apply to join the voters' list from 17. Your name goes on it on one of four dates a year once you're 18. Here's when, and how.
- Something else you keep putting off? Weigh it hereName anything you keep putting off, and see what waiting costs you: in time, in money, or in how much it weighs on you.
More
- Your departure boardType your age and see which exams, visa ballots and age points are still open, which close soon, and which have gone.
- Your life in weeksEvery week of a whole life on one screen. See how many you've lived, and how many are still yours.
- Which regret is yours?Six quick questions on the four kinds of regret, and one small step for today.