Dollar Cost Averaging Calculator
Calculate the results of regular fixed-amount investing. See how DCA lowers your average cost and builds long-term wealth.
DCA Settings
DCA RESULTS AFTER 5 YEARS
Portfolio value · +22.4% total return
DCA VS LUMP SUM COMPARISON
Lump sum outperforms — markets trending consistently upward favors early investment.
Frequently Asked Questions
What is dollar cost averaging?
DCA means investing a fixed dollar amount at regular intervals. When prices drop you buy more shares; when prices rise you buy fewer. Over time this reduces your average cost per share.
Is DCA better than lump sum?
Lump sum outperforms DCA ~66% of the time historically since markets trend upward. But DCA removes emotion, fits regular income, and significantly outperforms doing nothing.
How often should I invest with DCA?
Monthly aligns with most pay schedules and minimizes transaction costs. The mathematical difference between weekly and monthly DCA is negligible for most investors.
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For educational purposes only. Not financial advice. Consult a qualified advisor before making investment decisions.