DCA Calculator — Dollar Cost Averaging Returns & Lump Sum Comparison | Posize
Free DCA calculator with volatility range and lump sum comparison. See how dollar cost averaging grows your portfolio over time with optimistic and pessimistic projections.
Portfolio Value
$0Total Invested
$61,000Total Growth
$31,801Growth Multiple
1.52×Effective Return
52.1%Dollar Cost Averaging
Invested gradually over time
Lump Sum
Invested all at once
DCA vs Lump Sum
Common Mistakes
#1: DCA is not set-and-forget
What traders do
Continuing DCA when fundamentals have deteriorated
The consequence
If the company is going bankrupt or the industry is in decline, continuing to DCA only increases losses.
What to do instead
Regularly assess the fundamentals of your investment. Cut losses when the thesis is broken.
#2: Don't stop DCA during a downturn
What traders do
Stopping DCA when the market falls
The consequence
The core advantage of DCA is buying more shares at lower prices. Stopping defeats the purpose.
What to do instead
Stick to your DCA plan. Use market dips to accumulate more shares at better prices.
DCA Formula
Monthly Return
r_monthly = (1 + r_annual)1/12 - 1Future Value
FV = P×(1+r)12t + C×[((1+r)12t-1)/r]×(1+r)Total Growth
Total Growth = FV - Total InvestedTotal Growth