Financial calculator
Dollar-Cost Averaging Calculator
Estimate the future value of regular investments under an assumed return rate.
Build your scenario
Use your actual figures where available. The output is an educational estimate based on the assumptions below.
FINANCIAL ESTIMATE
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Total contributions—
Estimated growth—
Periods—
Results are estimates for education. Actual terms, rates, taxes, fees, compounding, and lender or investment conditions can change the outcome.
How this dollar-cost averaging calculator works
Each contribution is treated as invested at the end of the month. The rate is nominal annual divided by 12, with monthly compounding. This is a constant-rate estimate, not a backtest of real prices.
Important: Review the assumptions shown under each input. Changing one assumption can materially change the result.
When to use this calculator
- Estimate what a fixed monthly investment could become at an assumed constant return.
- See total contributions versus assumed growth as separate figures.
- Remember volatility, fees and skipped months are not modeled.
Related education
Read the guide → Browse all financial guides →
Frequently asked questions
Does this use historical market prices?
No. It applies the same assumed rate every month.
Are contributions at the start or end of the month?
End of each month. A start-of-month convention would earn a little more; that is not used here.
Are fund fees deducted?
No. Reduce the rate yourself if you want a rough fee drag.