Dollar-Cost Averaging Calculator
See how dollar-cost averaging (investing a fixed amount monthly) compares to investing a lump sum all at once. DCA reduces timing risk by spreading purchases over time, while lump sum historically wins about two-thirds of the time in rising markets.
Inputs
$
%
Results
DCA Final Value
$24,295
Lump Sum Final Value
$26,448
DCA Return
1.23%
Lump Sum Return
10.20%
DCA vs Lump Sum Growth
Monthly Comparison
| Month | DCA Invested | DCA Value | Lump Sum Value |
|---|---|---|---|
| 1 | $2,000.00 | $2,035.84 | $24,430.12 |
| 2 | $4,000.00 | $4,137.40 | $25,044.85 |
| 3 | $6,000.00 | $6,310.98 | $25,753.20 |
| 4 | $8,000.00 | $8,531.38 | $26,436.16 |
| 5 | $10,000.00 | $10,745.20 | $26,972.89 |
| 6 | $12,000.00 | $12,887.38 | $27,273.79 |
| 7 | $14,000.00 | $14,907.00 | $27,309.73 |
| 8 | $16,000.00 | $16,791.98 | $27,123.95 |
| 9 | $18,000.00 | $18,581.19 | $26,819.69 |
| 10 | $20,000.00 | $20,357.98 | $26,528.83 |
| 11 | $22,000.00 | $22,228.81 | $26,375.56 |
| 12 | $24,000.00 | $24,295.32 | $26,447.96 |