DCA Calculator
Calculate how much your regular investments will grow over time. This DCA calculator makes it simple to see the power of consistent investing, no matter how much you can afford each month.
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Your Investment Plan
Even $50/month makes a difference!
The earlier you start, the better
S&P 500 averages about 10% historically
Any head start helps!
💡 Quick Facts
- • Starting 10 years earlier can triple your wealth
- • Consistency beats timing - invest regularly
- • $200/month for 30 years at 8% = over $300,000
- • Compound growth does the heavy lifting
Your Wealth in 10 Years
You'll Have
$0
You Invested
$0
Growth
$0
🎯 Great Start!
Investing $200/month for 10 years could grow to $0. That's $0 in growth from consistent investing!
💰 Boost Your Savings
Increasing to $300/month would add $52,228 to your final balance! Even small increases compound significantly over time.
⏰ Time is Powerful
Starting 15 years earlier or extending to 20 years would dramatically increase your wealth. Time in the market beats timing the market!
Investment Growth Over Time
The gap between lines shows your investment growth - this is compound interest at work!
Your Money vs Growth
Growth: $0
Year-by-Year Contributions vs Balance
Start Small, Dream Big
Why Regular Investing Works
This DCA calculator shows how consistent investing builds wealth over time. You don't need to be rich to start - even $50 or $100 per month compounds into substantial wealth over decades. The key is starting now and staying consistent, not timing the perfect entry point.
Time is Your Superpower
A 25-year-old investing $200/month until 65 at 8% will have over $700,000. A 35-year-old doing the same has $345,000 - half as much with just a 10-year delay. Use this DCA calculator to see how starting earlier, even with less money, beats starting later with more.
Consistency Beats Timing
Trying to time the market is a losing game. Regular investing means you buy at high prices and low prices - the ups and downs average out. This removes the stress of guessing market direction and ensures you're always invested when markets rise. Automation makes it effortless.
Real-World Example
Investing $200/month for 30 years at 8% annual returns grows to over $297,000. You'll invest $72,000 total, meaning $225,000 comes from compound growth. That's free money earned while you sleep, simply by staying consistent. This DCA calculator helps you visualize your own journey.
Getting Started: Open a brokerage account or employer 401(k), set up automatic monthly investments into low-cost index funds, and let this DCA calculator motivate you to stay the course. The hardest part is starting - the rest is automatic.
Disclaimer: This calculator is for educational and illustrative purposes only. Results are estimates and may not reflect actual outcomes. Investing Point does not guarantee the accuracy of these calculations and is not responsible for any decisions made based on this tool.
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