Dollar Cost Averaging (DCA) Calculator
Simulate historical DCA outcomes and project future portfolio growth with recurring contributions. Compare DCA vs lump-sum and export CSV.
Dollar Cost Averaging (DCA) Calculator
Simulate historical DCA outcomes and project future portfolio growth with recurring contributions. Compare DCA vs lump-sum and export detailed breakdowns.
Parameters
Total Invested
Avg Cost / Share
Final Shares
Portfolio Value
Profit
Periods
DCA vs Lump Sum
Purchase History
| # | Date | Price | Invested | Shares | Cum. Shares | Value |
|---|---|---|---|---|---|---|
| 1 | 2026-06-02 | $100.00 | $500.00 | 5.0000 | 5.0000 | $500.00 |
| 2 | 2026-07-02 | $101.43 | $500.00 | 4.9296 | 9.9296 | $1,007.14 |
| 3 | 2026-08-01 | $102.86 | $500.00 | 4.8611 | 14.7907 | $1,521.33 |
| 4 | 2026-08-31 | $104.29 | $500.00 | 4.7945 | 19.5852 | $2,042.46 |
| 5 | 2026-09-30 | $105.71 | $500.00 | 4.7297 | 24.3149 | $2,570.44 |
| 6 | 2026-10-30 | $107.14 | $500.00 | 4.6667 | 28.9816 | $3,105.17 |
| 7 | 2026-11-29 | $108.57 | $500.00 | 4.6053 | 33.5869 | $3,646.57 |
| 8 | 2026-12-29 | $110.00 | $500.00 | 4.5455 | 38.1323 | $4,194.56 |
| 9 | 2027-01-28 | $111.43 | $500.00 | 4.4872 | 42.6195 | $4,749.03 |
| 10 | 2027-02-27 | $112.86 | $500.00 | 4.4304 | 47.0499 | $5,309.92 |
| 11 | 2027-03-29 | $114.29 | $500.00 | 4.3750 | 51.4249 | $5,877.13 |
| 12 | 2027-04-28 | $115.71 | $500.00 | 4.3210 | 55.7459 | $6,450.59 |
| 13 | 2027-05-28 | $117.14 | $500.00 | 4.2683 | 60.0142 | $7,030.23 |
| 14 | 2027-06-27 | $118.57 | $500.00 | 4.2169 | 64.2310 | $7,615.97 |
| 15 | 2027-07-27 | $120.00 | $500.00 | 4.1667 | 68.3977 | $8,207.72 |
| 16 | 2027-08-26 | $121.43 | $500.00 | 4.1176 | 72.5153 | $8,805.43 |
| 17 | 2027-09-25 | $122.86 | $500.00 | 4.0698 | 76.5851 | $9,409.03 |
| 18 | 2027-10-25 | $124.29 | $500.00 | 4.0230 | 80.6081 | $10,018.44 |
| 19 | 2027-11-24 | $125.71 | $500.00 | 3.9773 | 84.5854 | $10,633.59 |
| 20 | 2027-12-24 | $127.14 | $500.00 | 3.9326 | 88.5180 | $11,254.43 |
| 21 | 2028-01-23 | $128.57 | $500.00 | 3.8889 | 92.4068 | $11,880.88 |
| 22 | 2028-02-22 | $130.00 | $500.00 | 3.8462 | 96.2530 | $12,512.89 |
| 23 | 2028-03-23 | $131.43 | $500.00 | 3.8043 | 100.0573 | $13,150.39 |
| 24 | 2028-04-22 | $132.86 | $500.00 | 3.7634 | 103.8208 | $13,793.33 |
| 25 | 2028-05-22 | $134.29 | $500.00 | 3.7234 | 107.5442 | $14,441.65 |
| 26 | 2028-06-21 | $135.71 | $500.00 | 3.6842 | 111.2284 | $15,095.28 |
| 27 | 2028-07-21 | $137.14 | $500.00 | 3.6458 | 114.8742 | $15,754.18 |
| 28 | 2028-08-20 | $138.57 | $500.00 | 3.6082 | 118.4825 | $16,418.29 |
| 29 | 2028-09-19 | $140.00 | $500.00 | 3.5714 | 122.0539 | $17,087.55 |
| 30 | 2028-10-19 | $141.43 | $500.00 | 3.5354 | 125.5893 | $17,761.91 |
| 31 | 2028-11-18 | $142.86 | $500.00 | 3.5000 | 129.0893 | $18,441.32 |
| 32 | 2028-12-18 | $144.29 | $500.00 | 3.4653 | 132.5546 | $19,125.74 |
| 33 | 2029-01-17 | $145.71 | $500.00 | 3.4314 | 135.9860 | $19,815.10 |
| 34 | 2029-02-16 | $147.14 | $500.00 | 3.3981 | 139.3840 | $20,509.37 |
| 35 | 2029-03-18 | $148.57 | $500.00 | 3.3654 | 142.7494 | $21,208.49 |
| 36 | 2029-04-17 | $150.00 | $500.00 | 3.3333 | 146.0828 | $21,912.41 |
Frequently Asked Questions
What is dollar cost averaging?
Investing a fixed amount at regular intervals regardless of price. Over time it smooths average cost per share and reduces the risk of buying everything at a market peak.
DCA vs lump-sum?
Historically lump-sum beats DCA ~2/3 of the time in rising markets because capital is deployed sooner. DCA tends to outperform in sideways or falling markets and reduces timing-risk and emotional stress.
How does the future projection work?
Uses FV = P(1+i)^n + PMT x [((1+i)^n - 1) / i] with periodic return i = annual return / periods per year and n = total periods.
Is the Dollar Cost Averaging (DCA) Calculator free to use?
Yes, the Dollar Cost Averaging (DCA) Calculator is 100% free with no registration, no hidden fees, and no usage limits. All processing happens locally in your browser, ensuring complete privacy.
Is my data safe with this tool?
Absolutely. The Dollar Cost Averaging (DCA) Calculator processes everything client-side in your browser. No data is uploaded to or stored on any server. Your content remains private on your device at all times.
Does the Dollar Cost Averaging (DCA) Calculator work on mobile devices?
Yes, the Dollar Cost Averaging (DCA) Calculator is fully responsive and works on smartphones and tablets. You can use it on any device with a modern web browser -- no app download required.
Do I need to create an account to use this tool?
No account or registration is needed. Simply open the Dollar Cost Averaging (DCA) Calculator in your browser and start using it immediately. There are no sign-up walls or usage restrictions.
How accurate are the calculations?
The Dollar Cost Averaging (DCA) Calculator uses industry-standard formulas and algorithms to ensure accurate results. However, for critical financial or medical decisions, always consult a qualified professional.
How do I use the Dollar Cost Averaging (DCA) Calculator?
Simply enter your input in the provided field, adjust any settings to your preference, and the tool will process it instantly. You can then copy the result to your clipboard or download it.
Which browsers are supported?
The Dollar Cost Averaging (DCA) Calculator works in all modern browsers including Chrome, Firefox, Safari, Edge, and Opera. For the best experience, use the latest version of your preferred browser.
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About Dollar Cost Averaging (DCA) Calculator
Dollar Cost Averaging (DCA) Calculator is a free, browser-based tool in our Calculator Tools collection. Everything runs locally on your device — no uploads, no sign-up, and your data stays private.