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Dollar-Cost Averaging Calculator

Finance & Investment

Monthly investment future value and returns

Quick Answer

Dollar-Cost Averaging Calculator: Monthly investment future value and returns. Dollar-Cost Averaging Calculator uses standard finance formulas to compute accurate results instantly.

Dollar-cost averaging: fixed amount monthly, month-end contribution, compounded monthly: FV = M × [((1+i)^N − 1)/i]

Balance after 10 years

163,879 CNY
Total invested120,000
Total gain43,879
Return36.6%
Lump-sum would be214,902

Growth by year

Y1Y10
InvestedGainHover for details
YearInvestedGainBalance
Y112,00033612,336
Y224,0001,43225,432
Y336,0003,33639,336
Y448,0006,09854,098
Y560,0009,77069,770
Y672,00014,40986,409
Y784,00020,074104,074
Y896,00026,829122,829
Y9108,00034,740142,740
Y10120,00043,879163,879

Step-by-step

  1. 1Monthly rate: 6% ÷ 12 = 0.5000%; periods: 10 × 12 = 120
  2. 2Annuity FV = M × [((1+i)^N − 1)/i] = 1,000 × 163.8793 = 163,879.35
  3. 3Invested 120,000 → gain 43,879 (36.6%)
  4. 4Lump-sum comparison: same 120,000 invested upfront → 214,902

💡 In a steadily rising market lump-sum beats DCA (money works longer); DCA shines by smoothing volatility and enforcing discipline. Returns are NOT guaranteed — the rate input is an assumption, equity funds can be negative for years. Consider a take-profit rule (e.g. +30%).

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How to Use

  1. Enter amounts and terms: fill principal, rate and period in the Dollar-Cost Averaging Calculator (defaults work for a quick try).
  2. Instant results: key figures and cost breakdown update live as you type.
  3. Compare scenarios: tweak any parameter to compare costs and returns across plans.
  4. Copy key numbers: one-click copy for records or sharing with your advisor.

Key Points

  • Dollar-Cost Averaging Calculator is a free online finance tool — open and use, no sign-up.
  • All calculations run locally in your browser; your data never leaves the device.
  • Key capability: Monthly investment future value and returns.
  • Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Dollar-Cost Averaging Calculator formula

Dollar-Cost Averaging Calculator uses standard finance formulas to compute accurate results instantly.

FAQ

How do I use the Dollar-Cost Averaging Calculator?
Open the page and fill in the input fields — results update automatically. Monthly investment future value and returns.
Are the results accurate?
Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.
Is it free? Do I need to sign up?
Completely free. No registration, login or download required.
Can I use the results for financial decisions?
Results are for reference. Consult a licensed financial advisor before major decisions.
Does it work on mobile?
Yes. Fully responsive on phones, tablets and desktops.

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Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated:

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Maintained and periodically reviewed by the YiJianSuan editorial team — review process in ourEditorial Policy.

Cite this page: YiJianSuan. Dollar-Cost Averaging Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/dca

Results provided by this tool are for reference only and do not constitute professional advice.