Dollar-Cost Averaging Calculator
Dollar-cost averaging means investing a fixed amount on a regular schedule, no matter the price. Project how a steady monthly investment could grow over time at an assumed return.
Your details
- Total invested
- $120,000.00
- Investment gains
- $174,510.21
Invested vs gains
- Total invested
- $120,000.0041%
- Investment gains
- $174,510.2159%
Formula
Future value of a monthly investment = PMT × [((1 + i)^n − 1) ÷ i], where i is the monthly return and n the number of months. Gains are the projected value minus everything you put in.
How it works
By buying at regular intervals you automatically buy more shares when prices are low and fewer when they're high, smoothing out your average cost and removing the temptation to time the market. Consistency and time do most of the work.
Frequently asked questions
What is dollar-cost averaging?⌄
Investing a fixed dollar amount on a set schedule regardless of price. It reduces the risk of investing everything at a bad moment and takes the emotion out of investing.
Is the return guaranteed?⌄
No. This projection assumes a constant return for illustration. Real markets fluctuate, and returns are never guaranteed — treat the result as a planning estimate.
Does DCA beat investing a lump sum?⌄
Historically, lump-sum investing wins more often because markets tend to rise, but DCA lowers risk and is how most people invest from a paycheck anyway.
Sources & methodology
Future value of an ordinary monthly annuity at a constant return. Estimate only — excludes fees, taxes, and market volatility. Not investment advice.
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