How to use this DCA calculator
Enter the amount you'd invest each period, a start and end price for the asset, the number of periods, and whether to model a volatile or smooth price path. You'll see your ending value, average buy price, coins accumulated, and how DCA compares with putting it all in at once.
What is dollar-cost averaging?
DCA means investing a fixed amount at regular intervals regardless of price. You automatically buy more when prices are low and less when they're high, which lowers your average cost and removes the stress of trying to time the market. Automatic 401(k) and brokerage contributions are a form of DCA.
Frequently asked questions
What is dollar-cost averaging?
Investing a fixed amount at regular intervals regardless of price, so you buy more units when prices are low and fewer when high.
Is DCA better than lump sum?
It depends — lump sum usually wins in rising markets; DCA shines in volatile ones and removes timing stress. The tool shows both.
Does DCA work for stocks?
Yes — any volatile asset. Automatic 401(k)/brokerage contributions are DCA in practice.
Related tools
This calculator is for educational and planning purposes only and provides estimates, not financial advice. The modeled price path is illustrative; real returns vary and are not guaranteed. See how we calculate.