Loading Legacy
One-time starting investment, default 0
Final Value
$103,276
Total Invested
$60,000
Total Gain
$43,276
72.1% ROI
Return on Investment
72.1%
| Year | Total Invested | Portfolio Value | Gain | ROI |
|---|---|---|---|---|
| Year 1 | $6,000 | $6,335 | +$335 | 5.6% |
| Year 2 | $12,000 | $13,334 | +$1,334 | 11.1% |
| Year 3 | $18,000 | $21,065 | +$3,065 | 17.0% |
| Year 4 | $24,000 | $29,606 | +$5,606 | 23.4% |
| Year 5 | $30,000 | $39,041 | +$9,041 | 30.1% |
| Year 6 | $36,000 | $49,464 | +$13,464 | 37.4% |
| Year 7 | $42,000 | $60,979 | +$18,979 | 45.2% |
| Year 8 | $48,000 | $73,700 | +$25,700 | 53.5% |
| Year 9 | $54,000 | $87,752 | +$33,752 | 62.5% |
| Year 10 | $60,000 | $103,276 | +$43,276 | 72.1% |
Returns are compounded monthly. Past performance does not guarantee future results. This is for educational purposes only.
Dollar Cost Averaging Calculator simulates DCA month-by-month: balance = (balance + monthly) × (1 + annualReturn/12/100), produces a year-by-year table of total invested vs portfolio value, and runs a parallel lump-sum scenario to compare final values after the same time horizon.
Dollar Cost Averaging Calculator is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
DCA simulation: each month balance = (prevBalance + monthlyAmount) × (1 + annualReturn/12/100). Lump sum: balance = initialAmount × (1 + annualReturn/12/100)^months. Both scenarios end at the same total time. Vanguard (2012) found lump sum outperforms DCA 66% of the time across stocks and bonds globally.
DCA means investing a fixed amount regularly (monthly, biweekly) regardless of market conditions. It reduces the risk of investing a lump sum at a market peak.
Lump sum investing outperforms DCA about 66% of the time historically (Vanguard). But DCA is better for investors who feel anxious about market timing or receive income periodically.
Project investment growth over any time horizon with contributions, CAGR, and inflation-adjusted returns.
Calculate how money grows with compound interest — lump sum plus regular contributions, any compounding frequency.
Compare Roth vs Traditional IRA growth and project your retirement balance with 2026 contribution limits.