Investing Frequency Calculator
See how splitting the same yearly investment into weekly, monthly or annual contributions can change your final balance.
Your details
Balance after 15 years, by frequency
$65,115
Weekly
$65,115
Monthly
$64,980
Annually
$63,069
Investing the same amount weekly instead of annually could leave you with an extra $2,046 after 15 years, simply because your money spends more time invested.
This calculator invests the same total amount each year, just split differently, to isolate the effect of contribution frequency. It assumes a constant annual growth rate and is not financial advice.
How to use this calculator
- 1. Enter your starting balance and the total amount you plan to invest each year.
- 2. Choose how many years you're investing for, and the annual growth rate you expect.
- 3. The calculator invests the same yearly total as weekly, monthly and annual contributions, so you can see the effect of frequency alone.
FAQ
Why does investing more often lead to a higher balance?
When you invest the same total amount more frequently, your money spends more time in the market on average, giving it more time to compound, rather than sitting uninvested until a single annual contribution.
Is investing weekly always better?
Assuming positive returns, investing more frequently tends to produce a slightly higher balance over time. In practice, the difference is usually modest, and consistency matters far more than frequency.
Does this account for transaction fees?
No. Investing more frequently can sometimes mean more transaction fees depending on your broker, which isn't factored in here, so check your own fee structure before deciding on a frequency.
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Disclaimer
The results provided by this calculator are estimates only, based on the assumptions you enter, and are not a prediction or financial advice. Actual outcomes will vary. Consider speaking with a licensed financial adviser before making any financial decision.