How to use this calculator
- Enter cash available today, monthly investment periods, investment annual effective return (%), uninvested cash annual effective yield (%).
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
Equal month-end transfers; interest remains in the cash account. Negative cash yield can make the fixed transfer plan infeasible and is rejected. No claim about optimal market timing.
Worked example
For the sample inputs shown above, lump sum versus staged investment produces a first result of approximately 12000. The assumptions below explain what this result represents.
What the result means
Compare immediate investment with gradual transfers of the same starting cash under deterministic returns.
Common questions
How is the calculation performed?
Lump sum grows immediately; staged plan transfers cash/month at each month-end while the uninvested cash earns the cash rate.
What does the model leave out?
Equal month-end transfers; interest remains in the cash account. Negative cash yield can make the fixed transfer plan infeasible and is rejected. No claim about optimal market timing.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.