Dollar Cost Averaging Simulator Calculator

Compare dollar-cost averaging (DCA) versus lump-sum investing to understand the trade-offs of each strategy over time.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Lump Sum Amount ($)

Monthly DCA Amount ($)

Expected Annual Return (%)

Investment Period (years)

Tab to move between fields

Results

DCA Future Value ($)

$91,473.02

DCA Total Invested ($)$60,000

DCA Total Gain ($)$31,473.02

DCA Return (%)52.46%

Lump Sum Future Value ($)$133,178.41

Lump Sum Total Gain ($)$73,178.41

Lump Sum Return (%)121.96%

Lump Sum Advantage ($)$41,705.4

Break-Even Monthly DCA ($)$727.97

How to Use This Calculator

Enter the lump sum amount available if you were to invest everything at once.
Set the monthly DCA amount you invest regularly.
Enter your expected annual return rate and investment period in years.
Review the DCA future value versus lump sum future value.
Note: lump sum investing often beats DCA mathematically because money is invested sooner, but DCA reduces timing risk and builds investing discipline.

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