Compare buying the full gold budget immediately with spreading the same budget across monthly purchases. The model makes the price-path assumption explicit instead of hiding it.
The model keeps total budget fixed and assumes equal monthly cash purchases. It is a scenario comparison, not a forecast.
If prices rise steadily, buying earlier can acquire more grams for the same total budget. If prices fall early, periodic buying can acquire more grams. The calculator makes that dependence visible.
The annual growth rate is intentionally user-entered. Test several assumptions rather than interpreting one scenario as a probable future path.
No. The result depends on the assumed price path.
Yes. The total budget is divided evenly across the selected number of months.
Yes. Entering a negative assumption models declining prices.