Dollar Cost Averaging Calculator
Calculate how regular investments could grow over time with dollar cost averaging.
Investment details
This calculator auto-updates when values change.
This calculator is for general information only and is not financial advice. Projected returns are estimates and are not guaranteed.
Results
Results update automatically.
Final portfolio value
£118,820.43
Portfolio growth
| Year | Invested | Balance |
|---|---|---|
| 1 | £4,000.00 | £4,145.57 |
| 2 | £7,000.00 | £7,485.15 |
| 3 | £10,000.00 | £11,030.71 |
| 4 | £13,000.00 | £14,794.95 |
| 5 | £16,000.00 | £18,791.36 |
| 6 | £19,000.00 | £23,034.26 |
| 7 | £22,000.00 | £27,538.85 |
| 8 | £25,000.00 | £32,321.28 |
| 9 | £28,000.00 | £37,398.67 |
| 10 | £31,000.00 | £42,789.23 |
| 11 | £34,000.00 | £48,512.27 |
| 12 | £37,000.00 | £54,588.29 |
| 13 | £40,000.00 | £61,039.07 |
| 14 | £43,000.00 | £67,887.72 |
| 15 | £46,000.00 | £75,158.77 |
| 16 | £49,000.00 | £82,878.29 |
| 17 | £52,000.00 | £91,073.93 |
| 18 | £55,000.00 | £99,775.06 |
| 19 | £58,000.00 | £109,012.86 |
| 20 | £61,000.00 | £118,820.43 |
About This Dollar Cost Averaging Calculator
This dollar cost averaging calculator estimates how regular investments could grow over time.
Enter an initial investment, regular contribution, contribution frequency, investment period, and expected annual return. The calculator shows final value, total invested, and estimated investment growth.
Dollar cost averaging means investing fixed amounts on a regular schedule rather than trying to time the market.
Dollar Cost Averaging Example
If you invest GBP 300 every month for 10 years, you contribute GBP 36,000 before investment growth. If markets rise over time, the final value may be higher because each monthly contribution has time to compound.
During market dips, the same GBP 300 buys more units. During market highs, it buys fewer. This can reduce the pressure to choose the perfect entry point.
Why Regular Investing Helps
Dollar cost averaging can make investing more repeatable and less emotional. It is especially useful for people investing from monthly income rather than a one-off lump sum.
It does not guarantee a profit or protect against loss. The result still depends on the assets chosen, fees, taxes, inflation, and market performance.
How to Use a DCA Plan
Choose a contribution amount you can maintain, automate the investment, keep fees low, and review the plan after major income or goal changes.
If you have a large lump sum, compare investing all at once with phasing it in. DCA can reduce regret risk, while lump-sum investing may perform better in rising markets.
How to Use This Calculator
- 1
Enter your starting investment
Add any lump sum you are investing at the beginning.
- 2
Add regular contributions
Enter the amount you will invest weekly, monthly, or yearly.
- 3
Set the period and return
Choose the number of years and expected annual return.
- 4
Review the growth projection
Check total invested, estimated growth, final value, and year-by-year balance.
Frequently Asked Questions
What is dollar cost averaging?v
Dollar cost averaging is investing a fixed amount at regular intervals instead of investing everything at once.
Does this predict market returns?v
No. It uses the return rate you enter and does not predict actual market performance.
Can I use this for monthly investing?v
Yes. Select monthly as the contribution frequency and enter your regular monthly amount.
Does this include fees or tax?v
No. It does not include platform fees, fund charges, tax, or inflation.