How it works
Dollar-cost averaging means investing the same amount every month, which spreads out your entry points — buying more shares when prices are low and fewer when they're high, smoothing your average cost over time. This simulator assumes a steady monthly growth rate. Real markets fluctuate, so treat the projection as a reference, not a guarantee.
FAQ
Q. Is DCA always better than investing a lump sum?
A. In a long uptrend, lump-sum investing statistically wins more often, but DCA reduces timing risk and the psychological burden of investing all at once.
Q. Does the return stay the same every year?
A. This tool assumes your entered annual rate holds steady every month. Real markets will vary year to year.