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Dollar Cost Averaging (DCA) Calculator

Simulate and optimize your DCA investment strategy. Reduce risk by spreading purchases over time.

DCA Parameters

Investment Amount

Amount per period

Frequency

Duration

years

Total period

Asset Price

Current price

Price Change

Annual change

Volatility

Daily volatility

Start Date

Start date

DCA Parameters

Investment Amount

Amount to invest each period

Investment Frequency

Duration

years

Total investment period

Asset Price

Current price of the asset

Price Change

Expected annual price change (%)

Volatility

Daily price volatility (%)

Start Date

When to start the DCA strategy

DCA Results

Total Invested

$14,400.00

Total capital deployed

Total Coins

0.2940

Total assets accumulated

Average Price

$48,981.41

Average purchase price

Current Value

$14,699.46

Portfolio value today

Profit/Loss

$299.46

2.08% return

DCA vs Lump Sum

$299.46

DCA outperforms

Investment Simulation

Strategy Comparison

DCA Strategy

Lower risk through diversification over time
Reduces emotional decision making
Works well in volatile markets

Lump Sum Strategy

Higher potential returns in bull markets
Immediate full market exposure
Requires accurate market timing

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What is Dollar Cost Averaging?

DCA is an investment strategy where you invest a fixed amount at regular intervals, regardless of the asset's price. This reduces the impact of volatility and eliminates the need to time the market.

Key Benefit:

You buy more when prices are low and less when prices are high, averaging out your cost basis.

How to Use This Calculator

Set Investment Amount

How much to invest each period

Choose Frequency

How often to invest

Set Market Conditions

Price change and volatility

Analyze Results

Compare DCA vs lump sum

DCA Best Practices

Automate your investments to maintain discipline
Choose a frequency that matches your income schedule
Stay consistent even during market downturns
Combine DCA with portfolio rebalancing
Use for long-term investments (5+ years)

Automate Your DCA

Set up automatic DCA investments with these trusted platforms:

Binance Auto-InvestRecommended

Automated crypto DCA

Coinbase Recurring Buys

Easy DCA for beginners

Kraken Scheduled Orders

Advanced DCA options

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Upgrade to Pro

Get advanced DCA features with CalculateTrade Pro:

Multiple asset DCA strategies
Real market data integration
Portfolio tracking and alerts
Tax optimization features

Complete Guide to Dollar Cost Averaging

When to Use DCA

Volatile Markets: Reduce timing risk during high volatility
Regular Income: Perfect for salaried individuals
Emotional Investors: Removes fear and greed from decisions

DCA vs Lump Sum: Research

Studies show lump sum investing beats DCA about 66% of the time because markets tend to rise over the long term.

Vanguard Research:

Lump sum outperforms DCA 2/3 of the time, but DCA reduces volatility by 50%.

Frequency Comparison

Frequency	Investments/Year	Best For	Considerations
Daily	365	Large portfolios	High fees
Weekly	52	Most investors	Balanced
Monthly	12	Salary earners	Most common
Quarterly	4	Bonus/savings	Less frequent

Start Your DCA Strategy Today

Use this calculator to plan your investment strategy. Remember: Time in the market beats timing the market.

DCA Formula

Average Price = Total Invested ÷ Total Units Purchased

Total Units = Σ(Investment Amount ÷ Price at Time of Purchase)

Disclaimer

This calculator provides simulations based on your inputs. Past performance is not indicative of future results. Investment involves risk including possible loss of principal. This tool is for educational purposes only and should not be considered financial advice. Always consult with a qualified financial advisor before making investment decisions.