Dollar-Cost Averaging Calculator

See what regular, automated investing builds over time.

Inputs

$
%
Final portfolio value
$294,510.21
Invested: $120,000.00
Balance growth

How it works

Each month invests a fixed amount and earns the period's return on the running balance. The result is the future value of an annuity.

Frequently asked questions

Are these returns guaranteed?

No — projections assume your inputs hold steady. Real markets fluctuate; treat results as planning estimates.

What's a reasonable long-term return?

Diversified U.S. stock portfolios have averaged 7–10% before inflation over the long run.

Should I include inflation?

Yes if you care about purchasing power. Use a real return = nominal return − inflation rate.

Do taxes affect this?

Inside tax-advantaged accounts (401k, IRA, HSA) growth is tax-deferred or tax-free. Taxable accounts pay annual tax on distributions and on gains when sold.

Does dollar-cost averaging help?

It smooths timing risk and is a behavioral win even if a lump-sum invested earlier has higher expected return.

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