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Investing

Invest steadily—or all at once?

Compare monthly investing with putting the same total amount to work on day one. See how time in the market changes the outcome.

Set your plan

Use a long-term return estimate—not a promise.

From $1 to $1,000,000
Before taxes, fees, and inflation
Your comparison will appear here Enter your plan and select “Compare approaches.”

What this comparison assumes

Monthly deposits are made at the end of each month and returns compound monthly. The lump-sum side assumes you already have the full planned contribution amount available on day one. Actual investment returns vary, and this estimate does not include taxes, fees, inflation, or changing contribution amounts.

For informational and educational purposes only. This calculator does not provide investment, tax, or financial advice. Investing involves risk, including possible loss of principal.

Last reviewed: October 2026.