When is the best time to get IFR rating ? Right after your private pilot or wait and fly a while?
Before you can take the Instrument test, you must gain some flight experience. In addition to having a minimum of 125 TT, you must have logged 50 hours of pilot-in-command (P.I.C) time cross country, not counting the 10 hours from your private cross-countries.* The average student finishes their PPL at 70 hours, so it's possible to begin training relatively soon afterwards. If you anticipate doing lots of flights that are long cross country in nature, it would be a good idea to get your IFR soon afterwards. Additionally, it would be a good idea if you lived in an area with a lot of IFR weather.
Unlike your Private, all of your training for the Instrument will be with an instructor. You should budget accordingly. Also, like your Private training, the more time between IFR flights, the more money you waste. You lose your 'scan' and must relearn objectives as you become rusty very quick. If at all possible, save up and do the rating as fast as you can and try not to 'pay as you go', without going very often! You can finish your IFR rating for the least amount of money if you do it in the most condensed amount of time. (This is why it's best to save up at about $3,000 to get you almost through the training curriculm before beginning aircraft training.) If a student flies three times a week, and keeps up with their book studies, it's possible to get their Instrument in very near the FAA minimum of 40 hours of simulated or actual instrument time and 125 TT. Flying as frequently as possible helps the student to retain the basics of each flight lesson, without having to relearn them again with each subsequent flight because they have lost skill since too much time has passed between lessons. The longer aircraft training takes, the more money is spent on plane rental and Flight Instructors.
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*in the US