Dollar-Cost Averaging Calculator
Simulate investing a fixed amount regularly to see how dollar-cost averaging builds wealth and compares to a lump-sum investment.
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Amount you plan to invest regularly
Expected annual growth rate of the asset
DCA vs Lump Sum
If you invested the entire $60,000 on Day 1 (Lump Sum), your portfolio could grow to $129,535.
Under DCA, investing step-by-step, your portfolio reaches $90,062.
DCA Portfolio Growth vs. Amount Invested
Understanding Your Average Cost
Why starting price is $100?
Since DCA calculates average purchase price per asset, we use an arbitrary base unit price of $100 on Day 1. As the asset grows at 8% per year, the unit price rises to $215.89 by Year 10.
How average cost helps you:
By investing regularly, you buy more units when prices are low and fewer units when prices are high. Your average unit cost of $143.83 is lower than the final asset price, showing the power of cost averaging.
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