Dollar-Cost Averaging Calculator
Compare investing a fixed amount every month with investing the same total as a lump sum on day one.
Your numbers
- Lump sum ending value
- $120,580
- Total invested
- $60,000
- DCA gain
- $26,542
- Monthly DCA
- Lump sum
How the dollar-cost averaging calculator works
The monthly plan grows each contribution from the month it is made. The lump sum invests the total at the start. Historically lump sums win about two-thirds of the time, but DCA reduces regret and timing risk.
Example
Using the default inputs (Monthly investment: $500; Years: 10; Expected annual return: 7%), the calculator returns dca ending value of $86,542. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
Is DCA better than lump sum?
Lump sum has the higher expected return; DCA lowers the chance of investing right before a drop.
How does a 401(k) fit?
Payroll contributions are automatic dollar-cost averaging.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.