Lump Sum vs Monthly Investing

Compare investing a lump sum once versus monthly contributions.

Lump sum ($):

Monthly investment ($):

Years:

Annual return %:

Educational calculator only — not financial advice. Returns are never guaranteed.

How to use

Enter amounts, years and expected return, then compare. Everything runs in your browser.

Which usually wins?

Historically lump sums win ~2/3 of the time, but monthly investing smooths risk. Past ≠ future.

Is this financial advice?

No — an educational comparison using your assumed return.

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