Dollar-Cost Averaging Simulator

Compare dollar-cost averaging (fixed monthly investment) against lump-sum investing over the same period with simulated market volatility. See how DCA smooths out price fluctuations.

Total Amount to Invest ($)

Investment Period (months)

Annual Return Rate (%)

Annual Volatility (%)

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DCA Final Value

Fixed monthly buys

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Lump Sum Final Value

All-in on day 1

Volatility is simulated with random noise. Results vary each run — click Calculate to re-run.