Arrr, matey! Pit a single great chest o’ gold paid all at once against tossin’ coins overboard month by month, and see how they fare compared to lettin’ yer treasure sit and grow with interest in another venture on the seven seas.

Compare a one-time premium lump sum payment vs paying monthly or investing options with a given APY.

E.g. is it worth paying an insurance premium in a single installment or monthly?

Inputs: Lump sum, number of months, monthly payment, and alternative investment APY (effective annual yield).