Dollar Cost Averaging Calculator
Compare dollar cost averaging vs lump sum investing. See projected returns for both strategies over time.
DCA Final Value
$91,473.02
Lump Sum Final Value
$133,178.41
Total Invested
$60,000.00
DCA vs Lump Sum Comparison
Dollar-Cost Averaging
$91,473.02
Return: 52.5% ($31,473.02)
Lump Sum (All Upfront)
$133,178.41
Return: 122.0% ($73,178.41)
Strategy Comparison
| Total Invested | $60,000.00 |
| DCA Final Value | $91,473.02 |
| DCA Total Return | $31,473.02 |
| Lump Sum Final Value | $133,178.41 |
| Lump Sum Total Return | $73,178.41 |
| Lump Sum Wins By | $41,705.40 |
Historically, lump sum investing outperforms DCA about two-thirds of the time due to markets trending upward. However, DCA reduces timing risk and may be more psychologically comfortable for many investors.
Use the Dollar Cost Averaging Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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