What is dollar-cost averaging?

Dollar-cost averaging (DCA) is a strategy of investing a fixed amount at regular intervals regardless of market conditions. By spreading purchases over time, you reduce the impact of short-term volatility on your average cost basis. This calculator models monthly compounding growth on top of your initial lump sum and ongoing contributions.

How to read the results

The projected figures assume a constant annual return applied each month. Real markets fluctuate — returns will vary year to year, and past performance is not a guide to future results. Taxes and transaction costs are not included. Use these estimates as a starting reference, not a forecast.

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