DCA Calculator (Dollar-Cost Averaging)
Free online DCA (dollar-cost averaging) calculator. Enter a recurring contribution, how often you invest, an assumed annual return and the number of years, with an optional starting lump sum, to project the future balance, total contributed and growth. It is an educational estimate, not investment advice, and runs entirely in your browser. InvestingRuns locally
Use this tool
How to use
- Enter the amount you invest each period and pick the frequency (weekly, every two weeks or monthly).
- Add an assumed annual return and the number of years (use 0 for the starting lump sum).
- See the projected balance, the total money you put in and the growth.
Frequently asked questions
What is dollar-cost averaging?
You invest a fixed amount on a regular schedule, so you automatically buy more units when prices are low and fewer when high. It removes the need to time the market.
What return should I enter?
Only a hypothetical assumption — nobody can predict future returns. Use a conservative estimate for your own asset mix and try a few scenarios.
Does it assume contributions at the start or end of a period?
It assumes each contribution is made at the end of a period (an ordinary annuity), a common, slightly conservative convention.