DCA & Compound Calculator
See what investing a fixed amount every month grows into. Free, instant, no signup.
Final value
$18,128
after 10 years
Total invested
$12,000
$100/month
Profit
+$6,128
1.51× your money
Year by year
Want more than a calculator?
Trackfolio tracks your whole portfolio, journals every trade, and shows your real win rate and equity curve — free, no broker connection needed.
Discover Trackfolio — FreeHow it works
What is dollar-cost averaging (DCA)?
DCA means investing a fixed amount at regular intervals — say $100 every month — regardless of price. You buy more units when prices are low and fewer when they are high, which smooths out your average entry over time and removes the pressure of timing the market.
How does this calculator compound returns?
It applies your expected annual return as a monthly compound rate to a growing balance, adding each contribution at the start of its period. Real returns are never this smooth — markets move in cycles — so treat the result as a long-run scenario, not a promise.
What annual return should I assume?
Broad stock indexes have historically returned around 7-10% per year over long periods, before inflation. Crypto has had far higher highs and far deeper drawdowns. Run the calculation with a conservative and an optimistic number and look at the range, not a single value.
This tool is for information only and is not financial advice.