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DCA Calculator

Calculate and plan your Dollar Cost Averaging strategy easily

About this DCA Calculator

Dollar-Cost Averaging or DCA is one of the most popular strategy in investing. It aims to spread the investment over multiple transactions to reduce risk of investing the whole amount at the wrong time. This calculator is created to help you calculate and visualize the plan and milestones for DCA portfolio.

Time Horizon:
Initial Investment:
Expected Annual Return:
Additional Investment:
Additional Investment Growth:
Final Result:
$ 150,905
Calculating
YearJanFebMarAprMayJunJulAugSepOctNovDec
2024
-
-
-
-
10,558
11,119
11,685
12,255
12,825
13,402
13,979
14,562
2025
15,149
15,731
16,325
16,919
17,570
18,221
18,880
19,542
20,205
20,875
21,546
22,224
2026
22,907
23,580
24,271
24,961
25,715
26,468
27,231
27,998
28,765
29,541
30,317
31,102
2027
31,893
32,670
33,469
34,267
35,137
36,005
36,886
37,771
38,654
39,550
40,444
41,351
2028
42,263
43,164
44,087
45,007
46,007
47,005
48,017
49,035
50,050
51,081
52,107
53,150
2029
54,199
55,223
56,284
57,341
58,488
59,631
60,792
61,959
63,122
64,304
65,480
66,676
2030
67,878
69,049
70,266
71,477
72,789
74,094
75,422
76,757
78,086
79,437
80,782
82,149
2031
83,525
84,860
86,252
87,635
89,132
90,621
92,135
93,659
95,174
96,716
98,248
99,808
2032
101.38k
102.92k
104.51k
106.08k
107.79k
109.48k
111.2k
112.94k
114.66k
116.42k
118.16k
119.94k
2033
121.73k
123.45k
125.26k
127.05k
128.99k
130.91k
132.87k
134.85k
136.8k
138.8k
140.78k
142.79k
2034
144.83k
146.78k
148.84k
150.88k
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What is Dollar-Cost Averaging (DCA)?

Dollar Cost Averaging, also known as DCA, is an investment strategy that tries to minimize the risk of overpaying for any asset by dividing the invested capital into same small amounts and periodically investing that amount into an asset over time instead of one lump sum investment.

How does Dollar-Cost Averaging (DCA) work?

DCA works by investing the investment amount across multiple buys. This results in buying less shares when the price is expensive and buy more shares when it's cheaper. This reduces the risk of investing the whole amount at a bad time (i.e. just before market crash).

How to use this DCA calculator?

In the investment journey, having a tool that can help you visualize your goal clearly and work toward your financial goal with more clarity is invaluable. Portseido's Free Online DCA Calculator is a tool that empowers individuals to plan and grow their portfolios.

Understanding the Inputs:

1. Time Horizon (Years):

This is the duration over which you plan to invest. Input the desired number of years.

2. Initial Investment:

Enter the starting amount to invest. This provides the baseline for your future projections.

3. Expected Annual Return:

Specify the anticipated annual return on your investments. This figure helps the calculator estimate the growth of your portfolio over time.

4. Additional Investment:

Input any additional funds you plan to contribute regularly. You can choose the frequency, whether monthly or annually, depending on your financial habits.

5. Additional Investment Growth (Percent and Frequency):

Define the growth rate for your additional contributions. This feature allows you to account for salary increases, bonuses, or other financial increments. Choose whether this growth occurs year over year or month over month.

Executing the Calculation:

Once you've entered all the necessary information, click on the "Calculate" button. The DCA Calculator will process your inputs and generate a outputs to guide your financial planning.

Understanding the Outputs:

1. Final Result:

The calculator will display the projected final amount. This represents the target amount you aim to achieve within the specified time horizon.

2. Portfolio Projection Graph:

Visualize your portfolio's projected growth over time with an easy-to-understand graph. This graphical representation provides a quick overview of your financial trajectory.

3. Portfolio Projection Table:

Explore a detailed table that breaks down your portfolio progression over the specified time horizon. The table includes multiple tabs for "Value," "Contribution," and "Return," allowing you to analyze each aspect of your financial plan.

Other related tools:

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