Plan disciplined investing with clear cost visibility. Test steady buys across changing prices. See shares, averages, and outcomes over time.
| Period | Price | Contribution | Fee | Shares Bought |
|---|---|---|---|---|
| 1 | 100.00 | 200.00 | 0.00 | 2.00000000 |
| 2 | 98.00 | 200.00 | 0.00 | 2.04081633 |
| 3 | 105.00 | 200.00 | 0.00 | 1.90476190 |
| 4 | 102.00 | 200.00 | 0.00 | 1.96078431 |
Dollar‑cost averaging spreads buys across periods, turning your entry into a weighted average. When prices dip, the same contribution buys more shares and can reduce average cost. When prices climb, DCA may lag a lump sum, but it improves consistency. This tool shows each period’s net investment and shares so totals are clear.
Fees reduce cash before shares are purchased, so small contributions feel the biggest drag. A 2 fee on a 200 contribution is a 1% haircut each trade. Over many periods, those missing shares raise average cost and lift break‑even price. Reduce frequency, increase contribution size, or choose lower‑cost execution to limit the drag.
Average cost equals total invested divided by total shares. It is also your break‑even price: if market price matches it, portfolio value equals invested capital. The schedule reveals how total shares, total invested, and average cost evolve. Pair the final price with value, gain, and ROI outputs to compare scenarios, noting taxes and spreads are excluded.
Use price methods to test assumptions. Constant price isolates contribution mechanics. Growth simulation converts an annual rate into a per‑period rate using your selected frequency, producing a smooth path for sensitivity checks. Custom price lists suit history or shocks; paste one price per line and periods align automatically. Compare runs to see how price paths change totals.
Frequency and horizon shape accumulation. Weekly plans create many purchases, smoothing volatility but amplifying fee drag. Monthly plans reduce trades and often lower cost drag, while quarterly plans concentrate fewer, larger buys. Extend periods to see averages stabilize. The preview highlights early trends, and the full CSV supports side‑by‑side comparisons across horizons.
Exports support repeatable analysis. The CSV records each period’s price, fee, net invested amount, shares bought, totals, average cost, value, gain, and ROI. Use it to chart results, compute alternative metrics, or audit inputs. The PDF summary is a compact snapshot for notes. Re‑run when contributions, fees, or growth expectations change for better planning.
It simulates investing a fixed amount on a schedule, buying fractional shares at each period’s price. It then reports total shares, total invested, average cost, value, and ROI.
Yes. Select the custom price list method and paste one price per line, optionally with dates. The calculator uses those prices in order and matches periods automatically.
A fee is subtracted from each contribution before buying shares. If you enter an initial investment, the same fee applies to that initial purchase when the amount is greater than zero.
Average cost is total invested divided by total shares. It represents the break‑even price where your portfolio value equals the money you invested, excluding taxes and trading frictions.
Yes. Enter an annual contribution increase percentage. The calculator increases the periodic contribution once per year, based on your selected contribution frequency.
No. Results are based on purchase prices, contributions, and fees only. For realistic planning, add your own estimates for taxes, dividends, bid‑ask spread, and slippage.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.