High cost of waiting to invest         1. Desired Future "Nest Egg" 2. Simple Annual Interest Rate 3. Number of Years Until Retirement 4. Number of Years to Wait before Investing Annual Deposits Required to Accumulate "Nest Egg":    Starting Today:  If You Wait:  Monthly Deposits Required to Accumulate "Nest Egg":    Starting Today:  If You Wait:  Total Cost of Waiting:    Required Increase in Annual Deposits:  Required Increase in Monthly Deposits:        Note: This calculator assumes that deposits will be made at the beginning of the year. Growth is compounded annually in the case where annual deposits are made and compounded monthly for monthly deposits.