Estimated final value$63,392.46you contribute $36,000.00
Total contributed
$36,000.00
Gain (interest)
$27,392.46
DCA (dollar-cost averaging) means investing a fixed amount every month no matter what, reducing the impact of market timing. It assumes a constant return; the real one varies. Not financial advice.
This DCA calculator simulates how much your investment can grow by contributing a fixed amount every month.
Investing little by little, without timing the market
DCA (dollar-cost averaging) means contributing a fixed amount on a regular schedule, without trying to guess the best moment to invest. It’s a simple, disciplined strategy that’s popular for long-term investing in funds and ETFs.
For guidance only — assumes a constant return. Not financial advice.
FAQ
What is dollar-cost averaging (DCA)?
It's investing a fixed amount at regular intervals — for example, every month — instead of all at once. That way you buy more shares when prices are low and fewer when they're high, smoothing out the effect of market timing.
Does DCA guarantee a profit?
No. It reduces the risk of investing at the wrong moment and adds discipline, but the actual return still depends on the market and can be negative.
What return rate should I use in the simulation?
A conservative long-term estimate for the assets you plan to invest in. The calculator assumes that same annual return applies every month, which is a simplification — real markets move up and down along the way.
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