Free financial calculator
Lump Sum vs Monthly Investing Calculator
Compare investing available money now with gradually phasing the same total into the market.
Use the calculator ↓Adjust the assumptions
Lump Sum vs Monthly Investing Calculator
Compare investing available money now with gradually phasing the same total into the market.
Result
£0
View year-by-year breakdown ＋
| Year | Contributions | Growth | Balance |
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Questions answered
What this calculator helps you work out
- Could investing the full amount now finish ahead?
- What is the potential cost of waiting in cash?
- How does the phasing period affect the comparison?
Common questions
Lump Sum vs Monthly Investing Calculator FAQs
Is lump-sum investing always better?＋
No. It often has more time in the market, but a falling market soon after investing can favour phasing in.
Is monthly investing the same as DCA?＋
Phasing an existing lump sum is a form of dollar cost averaging. Investing new income monthly is regular investing rather than delaying available cash.
Does this calculator predict the market?＋
No. It compares two paths using the same steady return assumption.