Free Dollar-Cost Averaging Calculator

What is the Dollar-Cost Averaging Calculator?

Simulate investing a fixed amount each month and compare it with a lump sum.

It buys shares monthly at a modelled price path that moves from the starting to the ending price with a steady trend, a mid-period dip or a rise and fall. It reports shares bought, average cost, final value and return, plus what the same total invested on day one would be worth.

Time and consistency do most of the work in saving and investing. Running the numbers shows how small changes in rate, term or contribution add up.

How to use the Dollar-Cost Averaging Calculator

Using the dollar-cost averaging calculator takes a minute or two. Your entries are saved in this browser, so you can come back later and carry on.

Step 1

Enter your starting amount, regular contribution, expected return and time period.

Step 2

Read the end value and the split between money you put in and growth.

Step 3

Try a lower return as well as a higher one, because real markets are uneven.

Tips for better results

The price path is a simple model, not a forecast, so try each shape to see how the results differ. Steady investing mostly helps with discipline and timing risk, not guaranteed higher returns.

Treat the result as an illustration, not a promise. Returns vary year to year.

Fees and inflation reduce real growth, so consider both when planning.

Privacy and where your data goes

Everything you type into the dollar-cost averaging calculator stays on your own device. Zapxa does not receive your numbers or documents. If you clear your browser data, your saved entries will be removed, so download a PDF of anything you want to keep.