DCA Calculator
See how regular monthly investments grow over time with compound returns. Enter how much you invest each month, for how many years, and an expected annual return. We compound monthly and show total invested, final value, and gain. For illustration only—past performance does not guarantee future results.
DCA (dollar cost averaging)
How it works
Each month you invest the same amount. We apply (1 + annual rate/12) each month to the growing balance. Total invested = monthly amount × 12 × years. Final value is the future value of that stream at the given rate. Gain = final value − total invested.
When to use it
Use it to project savings with a fixed monthly contribution, to compare DCA to a lump sum, or to see how time and return affect growth. Pair with compound interest or retirement calculators for other scenarios.
Frequently asked questions
Is the return guaranteed?
No. We use your input as a constant annual return for illustration. Real markets vary.
Why monthly compounding?
We assume you invest at the start of each month and apply the monthly rate (annual/12) for simplicity.
What about fees or taxes?
This calculator does not subtract fees or taxes. Use for pre-tax, gross growth estimates.