Lump Sum vs Periodic Investing Calculator
Compares investing a sum at once with feeding it in over time.
Lump sum ends at
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Share sends a link that reopens these numbers. Copy details pastes the full breakdown as a list.
Periodic investing ends at —
Difference —
Reading this —
The formula
lump = amount × (1 + r)^t periodic = Σ (amount ÷ n) × (1 + i)^(months − k)
Each instalment compounds only from the date it goes in.
What to watch out for
The gap here is the cost of waiting if the return holds. It is not a prediction.
Frequently Asked Questions
Is it better to invest all at once?
On average, in a rising market, yes. Spreading it out is a way to manage regret and timing risk, at some expected cost.