- Use it when you need a quick decision-ready view for DCA.
- Use it when you want to understand the formula and inputs before switching to the interactive tool.
- Use it when comparing investment, loan, or capital allocation scenarios.
- Initial Amount
- Contribution per Period
- Annual Return (%)
- Years
Example inputs
- Monthly investment: 500
- Annual return: 7%
- Investment term: 15 years
Formula logic
DCA applies the periodic return to the current balance, then adds the scheduled contribution each period.
How to read the result
DCA helps with discipline, but it does not remove valuation risk. Compare total contributions with ending value and test lower returns.
- Assuming DCA always beats lump-sum investing.
- Ignoring what happens when contributions stop.
- Using the same return assumption for every asset class.
Dollar-cost averaging (DCA) calculator — simulate periodic investments with expected annual returns. See long-term growth projections and total contributions. Free DCA calculator. This page explains the main inputs and output interpretation before you switch into the full calculator.
Use the interactive tool when you already know your assumptions and want detailed tables, charts, or CSV export.
The formula uses the following inputs: Initial Amount, Contribution per Period, Annual Return (%), Years. Enter them in the calculator above to get precise results.
Yes, The Capital Deck's DCA is completely free with no sign-up required.
Yes, the calculator works on all modern browsers on desktop and mobile devices.
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Calculate Compound Annual Growth Rate (CAGR) from start and end values. Convert between annualized returns and final investment amounts. Free CAGR calculator.
Monthly payment and amortization overview.
Compare annuity and equal principal repayment.