Dollar-Cost Averaging Calculator
See the result of investing a fixed amount at regular intervals: shares bought, average cost per share and gain — compared with investing a lump sum at the start.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter the amount you invest each period.
- 2Enter the price at each purchase (one per line) and today's price.
How it's calculated
Shares each period = amount ÷ price. Average cost = total invested ÷ total shares (the harmonic mean of the prices), which is always ≤ the average price.
Frequently asked questions
Is DCA better than investing a lump sum?
Historically a lump sum has beaten DCA about two-thirds of the time because markets tend to rise. DCA reduces the regret of investing right before a drop.
Why is my average cost below the average price?
A fixed amount buys more shares when prices are low and fewer when high, which pulls the average cost down.
Does this work for crypto?
Yes — enter prices in any currency; fractional shares or coins are handled.