Calcvers
Dollar Cost Averaging Calculator
Savings & Investing
Generated
September 24, 2026
Future value
$36,589
$200.00/mo for 10 years
Your inputs
- Currency
- USD ($)
- Monthly amount
- 200
- Time horizon
- 10 years
- Expected annual return
- 8 %
Breakdown
- Total contributed
- $24,000
- Investment profit
- $12,589
- Growth multiple
- 1.5×
Contributions vs growth
| Item | Value |
|---|---|
| Contributed | $24,000 |
| Profit | $12,589 |
What this means
Dollar-cost averaging means investing a fixed amount on a fixed schedule — every month, regardless of price. This calculator projects what that discipline produces: each monthly contribution compounds from the month it's made, so earlier contributions grow more. The result is the classic 'contributions plus profit' split, showing how much of your final value came from what you actually put in versus from compound growth.
Recommendations
- Automate the transfer so the investment happens before you can spend the money.
- Stick to the schedule through market dips — buying more shares when prices fall is the point of DCA.
- Revisit the amount each year as your income grows.
Watch out
- DCA doesn't prevent losses — it smooths entry but the market can still fall over the whole period.
- A lump sum you already have often beats DCA in the long run statistically; DCA wins for psychology and regular income.