See how regular monthly investments grow over time. Enter your numbers and watch compound growth work its magic.
Total Invested
Final Value
Total Earnings
💡 You invested of the final value. The rest () came from compound growth.
How DCA Works: You invest $500 every month, rain or shine. When prices are low, your $500 buys more shares. When high, it buys fewer. Over time, your average cost per share tends to be lower than the average price — that's the DCA advantage.
DCA is investing a fixed amount at regular intervals, regardless of price. It reduces volatility impact by buying more shares when prices are low.
Lump sum beats DCA about 66% of the time historically. But DCA reduces regret and is easier for beginners. The best approach is the one you'll stick with.
Monthly is most common (aligned with paychecks). Bi-weekly or weekly also works. Consistency matters more than frequency.
S&P 500 has averaged ~10% annually since 1926. For diversified portfolios, 7-10% is reasonable. Conservative: 5-7%.
⚠️ Disclaimer
This calculator is for educational purposes only and should not be considered financial advice. Past returns don't guarantee future results.