Dollar-Cost Averaging Calculator
Estimate how recurring investments may grow over time and see how much of the ending value comes from contributions versus estimated investment growth.
Investment plan
Set your recurring investment
USD
USD
years
%
Advanced settings
%
%
How to use
From inputs to a result you can review
- Enter an initial investment and recurring contribution.
- Choose the schedule, time horizon, return assumption, and contribution timing.
- Optionally add fees, contribution increases, and inflation.
- Calculate, then review the formula, scenarios, and annual breakdown.
Known limitations
What this calculation does not know
- Returns are assumptions and do not predict market performance.
- The model applies one steady annual return; real returns vary by period.
- Taxes, bid–ask spreads, and contribution interruptions are excluded.
- Currency changes formatting only; no exchange-rate conversion occurs.
Educational calculation only. This is not personalized investment, trading, or tax advice.
Formula reviewed
Report an error →Method version 1.0
Calculation logic reviewed against the published methodology and automated test cases. Last updated August 5, 2026.