Lumpsum Calculator

Monthly Investment
Expected rate of return (p.a.)
Time Period
  • Invested Amount
  • Total Value
Invested Amount
₹ 1,20,000
Estimated Returns
₹ 3,79,574
Total Value
₹ 4,99,574
Lumpsum Investment
Expected rate of return (p.a.)
Time Period
  • Invested Amount
  • Total Value
Invested Amount
₹ 10,000
Estimated Returns
₹ 96,463
Total Value
₹ 1,06,463
Monthly Investment
Lumpsum Investment
Expected rate of return (p.a.)
Time Period
  • Invested Amount
  • Total Value
Invested Amount
₹ 1,30,000
Estimated Returns
₹ 4,76,037
Total Value
₹ 6,06,037
Monthly Investment
Annual step up
Expected rate of return (p.a.)
Time Period
  • Invested Amount
  • Total Value
Invested Amount
₹ 3,43,650
Estimated Returns
₹ 5,87,919
Total Value
₹ 9,31,569

Our Products

How much does it cost to delay
your Lumpsum?

Person A

Early Starter

  • Starts investing at age: 25 years
  • Initial lump-sum investment: ₹10,00,000
  • Return p.a. 13.0%
  • Investment value at the age of 60: ₹7.21 crores

Person B

Delayed Starter

  • Starts investing at age: 35 years
  • Initial lump-sum investment: ₹10,00,000
  • Return p.a. 13.0%
  • Investment value at the age of 60: ₹2.12 crores

Cost of delay = ₹5.09 crores

Person A has 3.4 times more wealth than Person B with the same investment.

How Does It Work?

Imagine two friends, Person A and Person B. Both dream of being financially free at 60 — but they take different paths.

Person A starts early. At age 25, A invests ₹10 lakhs in one shot. Then A does nothing — just lets compounding work. By age 60, that single lump-sum investment has grown to ₹7.21 crores at 13% annual returns.

Person B delays. At age 35, B also invests the same ₹10 lakhs in one shot, with the same 13% returns. By 60, B’s investment value grows to just ₹2.12 crores.

Both invested the same ₹10 lakhs, but A has ₹5.09 crores more simply because A started 10 years earlier. That’s 3.4 times more wealth for the same money!

Why such a big gap?

Because A gave compounding an extra 10 years. The earlier you start, the longer your money works for you — and the results multiply.

Frequently Asked Questions

Questions on your mind? Dont worry we have the answers!

A mutual fund is an investment vehicle that pools money from multiple investors and invests it in stocks, bonds, or other securities. It is managed by professional fund managers who make investment decisions on your behalf. You own “units” in the fund, and the value of your investment goes up or down based on the performance of the underlying assets

You don’t need a large amount to get started. Most mutual funds allow you to begin with as little as ₹500 through a Systematic Investment Plan (SIP). This makes mutual funds accessible for everyone, whether you are a beginner or an experienced investor.

Mutual funds are regulated by the Securities and Exchange Board of India (SEBI), which ensures transparency and investor protection. However, they are not risk-free. The risk depends on the type of fund — equity funds carry higher risk but higher return potential, while debt funds are lower risk but give more stable returns.

Mutual funds offer several benefits such as diversification (spreading your risk across many companies and sectors), professional fund management, liquidity (easy to buy and sell), and flexibility to start small. They are also transparent, as fund details are regularly published by the fund house.

Yes, most mutual funds are open-ended, which means you can redeem your units at any time and get the money in your bank account within a few days. However, some funds like ELSS (tax-saving funds) have a 3-year lock-in period, and certain funds may charge a small exit load if you withdraw too early.

In a SIP, you invest a fixed amount regularly (monthly/quarterly), which helps build discipline and reduces the risk of market timing. In lump sum, you invest a large amount at once, which can work well if markets are at attractive levels. Both methods are effective, and the choice depends on your financial situation and goals.

The right mutual fund depends on your financial goals, time horizon, and risk appetite. For long-term wealth creation, equity funds are better. For stability, debt or hybrid funds may be suitable. At AnbWealth, we help you by analyzing your goals, allocating assets properly, selecting funds through research, and reviewing your portfolio regularly.

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