Project the value of investing a fixed amount every month at an expected return — with your total contributions and how much is growth.
Assumes a steady monthly investment compounding at a constant return — real markets vary year to year, so treat this as a long-run projection, not a guarantee. Dollar-cost averaging smooths your entry price but doesn't guarantee gains. Not investment advice.
Dollar-cost averaging means investing the same amount on a regular schedule regardless of price — buying more shares when prices are low and fewer when high. Over long periods, steady contributions plus compounding do most of the heavy lifting, and the growth portion eventually dwarfs what you put in.
On average a lump sum wins because it's invested longer, but DCA reduces the risk of buying everything at a peak and is what most people do naturally by investing each paycheck.
It's a common long-run stock-market average before inflation, but returns are volatile and never guaranteed. Try lower rates to stress-test your plan.
Related: compound interest calculator · CAGR calculator · 401(k) calculator · all free calculators.
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