DCA Calculator
Dollar-cost averaging modeled on your real schedule and a growth assumption you control. Change the growth field to stress-test bear cases; that is the honest way to use it.
Results (live)
Estimates only, not financial advice. All math runs in your browser; nothing you type leaves this page.
How it works
each buy: balance = balance × (1 + period growth) + buy amount
period growth = (1 + CAGR)^(1/buys per year) − 1
Worked example
$50 weekly for four years at an assumed 15% CAGR: $10,400 invested becomes about $14,100. At 0% growth it is exactly your $10,400, which is the point of the assumption field.
FAQ
Is the growth rate a prediction?
No, it is your input. Run 0%, 15% and −20% and you have a range instead of a fantasy.
Weekly or monthly, does it matter?
Barely, for the same total amount. Consistency and not stopping in drawdowns matter far more than frequency.
Why does DCA feel safer than lump sum?
It spreads entry prices, so a crash right after you start hurts less. The cost is missing out when the market runs straight up.
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Estimates only, not financial, tax or investment advice. Verify numbers against your exchange or a professional before acting.