Dollar-Cost Averaging Calculator

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]

Monthly amount (CNY)

Expected annual return (%)

Years

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

Year	Invested	Gain	Balance
Y1	12,000	336	12,336
Y2	24,000	1,432	25,432
Y3	36,000	3,336	39,336
Y4	48,000	6,098	54,098
Y5	60,000	9,770	69,770
Y6	72,000	14,409	86,409
Y7	84,000	20,074	104,074
Y8	96,000	26,829	122,829
Y9	108,000	34,740	142,740
Y10	120,000	43,879	163,879

Step-by-step

1Monthly rate: 6% ÷ 12 = 0.5000%; periods: 10 × 12 = 120
2Annuity FV = M × [((1+i)^N − 1)/i] = 1,000 × 163.8793 = 163,879.35
3Invested 120,000 → gain 43,879 (36.6%)
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

Enter amounts and terms: fill principal, rate and period in the Dollar-Cost Averaging Calculator (defaults work for a quick try).
Instant results: key figures and cost breakdown update live as you type.
Compare scenarios: tweak any parameter to compare costs and returns across plans.
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.

Related Guides

Source & Updates

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

Authoritative sources:

Last updated: 2026-08-04

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

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.