DCA Calculator

Overview

Dollar-cost averaging calculator. Compare regular investing vs lump sum. See how DCA reduces risk, smooths volatility, and builds wealth over time.

Key Facts

Inputs

How to Use

1. Enter Investment Amount — Input total amount you want to invest over time
2. Choose Frequency — Select weekly, bi-weekly, monthly, or quarterly investments
3. Set Time Period — Choose how many months you want to spread investments (12-120 months)
4. Compare Results — See DCA vs lump sum final values, returns, and strategy recommendation

Result Surfaces

Related Calculators

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FAQ

What is dollar-cost averaging (DCA)?

DCA is investing a fixed amount at regular intervals (weekly, monthly) instead of a lump sum. It averages out the purchase price over time, reducing the impact of volatility. Best for volatile assets like crypto or individual stocks.

Is DCA better than lump sum investing?

Historically, lump sum beats DCA about 2/3 of the time in rising markets (like S&P 500). But DCA wins in volatile/sideways markets and reduces regret (you won't invest everything at the peak). DCA is better for behavior than returns.

How often should I DCA - weekly or monthly?

Weekly is slightly better in high volatility (crypto) because you catch more price points. Monthly is fine for stocks/ETFs and easier to manage. The difference is small - consistency matters more than frequency.

Evidence

• src/lib/calculators/registry.ts (metadata)
• src/lib/calculators/page-registry.ts (page/HowTo metadata)
• src/lib/calculators/finance/dca.ts (calculator config)