What is the virtue of daily charity, and is it permissible to intend to give a certain amount of charity daily, then transfer it to charitable organizations at the end of the month in one lump sum?

Charity is one of the best and most beneficial deeds, especially when consistently performed daily. Your intention to give a specific amount in charity daily, but delaying its actual disbursement until the end of the month, falls under the category of resolving to do a good deed. The Prophet, peace and blessings be upon him, said: "Whoever intends to do a good deed and does not do it, a good deed is recorded for him; and if he intends to do it and does it, Allah records it for him as ten good deeds."