DCA vs Lump Sum: The Battle of “Wait Small” vs “All In!”

If you’ve ever gotten a lump sum such as a salary bonus, NYSC arrears, freelance gig, or one random alert that made you smile like you’ve arrived, you’ve faced this question:
“Should I invest everything at once or enter small small?”

This calculator settles that argument once and for all.

⚔️ What’s This All About?

You’ve probably heard two money tribes arguing:

• Team Lump Sum: “Invest everything now, make your money start working immediately.”
• Team DCA (Dollar Cost Averaging): “Relax, invest bit by bit so market wahala doesn’t shock you.”

This calculator compares both strategies for you using your own numbers and shows which one actually gives you better returns.

No financial jargon. Just vibes, facts, and the cold truth.

⚙️ How To Use It

Step 1: Enter Your Total Investment Amount

How much are you planning to invest? ₦100k? ₦500k? ₦1M?
Whether it’s your savings or “I go start business” money, drop it here.

Step 2: Add Your Investment Period

How long are you planning to invest for?
6 months? 1 year? 3 years?
The calculator needs this to project your results.

Step 3: Enter Expected Annual Return

Be realistic, no need to dream about 300% crypto gains (we’ve all been there).
If you’re investing in mutual funds, ETFs, or stocks, drop the average rate you expect.

Step 4: Click “Compare Strategies”

Then sit back and watch who wins the fight, Team DCA or Team Lump Sum.

🧮 What You’ll See

You’ll get a full breakdown:

• Total returns from both strategies
• ROI (Return on Investment) side by side
• A final verdict on which one made more money

It’ll even tell you by how much one outperformed the other, so you can finally stop guessing.

💬 Why This Matters

Because most people invest by vibes, not by logic.
They either rush to “put everything” or keep delaying till the money finishes on shawarma and data.

This calculator helps you see what’s smarter for you, based on math, not emotion.

No more “I for don invest since” talk.