Discover how to simplify investing with our Dollar Cost Averaging Calculator. Maximize returns, reduce risk, and build wealth with confidence today.
Ready to take control of your investing? Follow these simple steps to get started with confidence.
Dollar Cost Averaging is a disciplined accumulation method in which you invest a fixed cash amount at set intervals (weekly, monthly, quarterly) regardless of the asset’s spot price. By buying more units when prices are low and fewer when prices are high, your entry cost is smoothed over time. The goal is not to beat a perfectly timed lump sum; it is to reduce timing risk, support consistent saving behavior, and achieve a transparent, mechanical path to participation.
Units purchased in period i:
Units_i = (Investment_i × (1 − fee_rate_i)) / Price_i
Total units & average cost:
Total Units = Σ Units_i
Total Invested = Σ Investment_i
Average Cost = Total Invested / Total Units
Future value projection (when an expected per-period return r is supplied and compounding spans n periods):
Projected Value = Σ (Investment_i × (1 − fee_rate_i)) × (1 + r)^(n − i)
When ROI is set to 0, the projection equals the Total Invested. The calculator displays Average Cost, Total Invested, and (optionally) a compounding-based Estimated Value.
initialize total_units = 0, total_invested = 0, projected_value = 0
for i in 1..n:
net_cash = contribution_i × (1 − fee_rate_i)
units_i = net_cash / price_i
total_units += units_i
total_invested += contribution_i
if ROI provided:
projected_value += net_cash × (1 + r)^(n − i)
average_cost = total_invested / total_units
Start today: Use this calculator now to set your DCA plan, reduce stress, and build wealth step by step with confidence.
Scenario | Investment Period | Avg Purchase Price | Total Invested | (at 5% ROI) Estimated Value |
---|---|---|---|---|
Weekly BTC | 6 months | $45,800 | $14,400 | $14,976 |
Monthly Stocks | 12 months | $297.18 | $35,661 | $37,818 |
Quarterly Bonds | 5 years | $1,075.42 | $637,146 | $814,669 |
Crypto Volatility Example | 18 months | $34,800 | $15,600 | $22,400 |
Tech Stock Swings | 1 year | $96.00 | $6,000 | $6,450 |
Zero-ROI Baseline | 12 months | $100.00 | $12,000 | $12,000 |
Persistent Uptrend (Lump-Sum Often Better) | 12 months | $101.00 | $12,000 | $12,300 |
Mid-Cycle Crash (−50% at Month 6) | 12 months | $48.00 | $12,000 | $12,250 |
Ultra-Short Duration (3 Buys) | 1 month | $300.00 | $1,500 | $1,515 |
Skipped Contributions (2 Missed) | 10 of 12 months | $310.00 | $10,000 | $10,250 |
High Fees (1% per Trade) | 12 months | $305.00 | $12,000 | $12,240 |
Near-Zero Price Stress Test | 12 months | $1.05 | $600 | $630 |
Average Purchase Price is computed as Total Invested divided by Total Units. Estimated Value illustrates periodic compounding at the stated ROI, weighted by contribution timing. |