Free tool
Dollar-Cost Averaging (DCA) Planner
Model a regular, fixed-amount investing plan and see how contributions and a hypothetical return compound over time.
Results are estimates based only on the figures you enter, for information and education only. They are not investment advice or a forecast. Crypto and stock markets carry real risk, including the loss of capital.
What dollar-cost averaging does and does not do
Dollar-cost averaging means investing a fixed amount at regular intervals regardless of price. Its real benefits are behavioural and mechanical: it removes the impossible task of timing the market, it imposes discipline, and it means you automatically buy more units when prices are low and fewer when they are high. This planner shows how a steady contribution, plus a return you assume, can compound over your chosen horizon.
Be clear about the assumption. The return you enter is applied as a constant rate, which no real market delivers — actual returns arrive unevenly and can be negative for long stretches. The projection is therefore an illustration of the mechanics of regular investing, not a forecast of any particular outcome. What the tool reliably shows is the power of consistency and time: the bulk of long-run growth in most plans comes not from a clever entry but from contributing steadily for many years.