Tool
Windfall Investing Calculator
You've just got $50,000 — invest it all today, or spread it over 12 months?
See how the two approaches compare, both at deployment and years later.
Illustrative projection only — not financial advice. Past performance isn't indicative of future returns.
Your lump sum
Return, fees and brokerage
Benchmark returns are already after the fund's fee. Only add a fee here for extra costs, such as a platform or adviser fee.
Only affects the drip-feed side — lump sum is one trade, drip-feed is several.
$52,068
Total contributed: $50,000
Total brokerage paid: $0
$54,585
Total contributed: $50,000
Total brokerage paid: $0
Investing all at once ends up $2,517 ahead by the end of the 12 months deploy window, because that money spent more time invested. That's the expected-value case in a rising market — drip-feeding's real benefit isn't a higher number here; it's reducing the risk of deploying the whole amount right before a downturn.
Assumes a constant annual return, with contributions at the end of each month.
Illustrative only, not financial advice. Assumes a constant rate of return — real markets are volatile and don't move in a straight line. Past performance isn't indicative of future returns.