Dollar-Cost Averaging Calculator
Grow wealth by investing a fixed amount each month.
About this calculator
Dollar-cost averaging means investing a fixed amount at regular intervals regardless of price, which smooths your entry cost and removes the temptation to time the market. This calculator projects what steady monthly, quarterly, or yearly contributions could grow to, compounding at your expected return.
Enter your contribution, frequency, expected return, and years. The result splits your projected balance into what you put in versus the growth on top.
Frequently asked questions
What return should I assume?
Use a realistic long-run figure. The S&P 500 has historically returned roughly 10% a year before inflation over long periods, but with large swings and no guarantee. The tool is only as accurate as the rate you enter.
Is DCA better than investing a lump sum?
DCA reduces timing risk, but historically a lump sum invested early has often grown more because money spends longer in the market. It depends on your situation and temperament.
Related calculators
These calculators are for general information and planning only. They use the assumptions you enter and do not constitute financial, tax, or investment advice. Tax figures are simplified estimates for the stated tax year. Returns are not guaranteed; verify figures independently before making decisions.