Dollar Cost Average Calculator
Estimate recurring investment purchases, average cost, units acquired, ending value, and a lump-sum comparison from local planning inputs.
How it works
Dollar-cost averaging means investing a fixed amount at regular intervals instead of trying to pick one perfect purchase date. When the price is lower, the same contribution buys more units; when the price is higher, it buys fewer units.
This calculator models a bounded planning scenario from your first purchase price to an estimated final price. It adds any optional initial buy, subtracts optional flat fees before each purchase, totals the units acquired, and values those units at the final price.
Average cost per unit = total cash committed ÷ total units acquired
The breakdown also compares the plan with investing the same total amount at the first price as one purchase with one fee, so you can see how the modeled price path changes the estimate.
Assumptions and limitations
Use this for quick planning with a simple price path, fixed contribution amount, and flat per-purchase fee. It does not fetch market prices, predict returns, model taxes, spreads, slippage, dividend reinvestment, changing fees, inflation, contribution limits, or account rules.
Results are estimates for education and comparison only. They are not financial, tax, legal, or investment advice.
All calculations happen locally in your browser. Your amounts, prices, and planning assumptions are not sent to a server.
