No. 10Strategy
DCA calculator.
Model dollar-cost averaging and see the average cost it really gets you.
Final value
1,463.35 USDT
Total return
21.95%
Average cost
36,901.62 USDT
Total invested
1,200 USDT
Units acquired
0.0325
Method
How dollar-cost averaging is modeled
Dollar-cost averaging spreads equal contributions across time. This calculator buys the same amount each period while the price moves linearly from your start price to your end price, then totals the units acquired.
Average cost = total invested / total units. Because you buy more units when the price is low, the average cost sits below the simple midpoint of the path. The linear price path is a deliberate simplification - real markets are not straight lines - and fees are not modeled.
Questions
Frequently asked
- What is dollar-cost averaging?
- DCA means investing a fixed amount on a fixed schedule regardless of price. It removes timing decisions and naturally buys more units when prices are low and fewer when they are high.
- Is DCA better than a lump sum?
- It depends on the path. Lump sum wins when prices trend up from the start; DCA reduces regret and average cost when prices fall first and recover. Test both ends of the path here.
- Is the linear price path realistic?
- No - it is a simplification for intuition. Real prices wander. Use it to understand how averaging shapes your cost basis, not as a forecast.
- Does this account for fees?
- No. Per-trade fees would slightly raise your average cost and lower the return. For small recurring buys they are usually minor but not zero.
Try
Backtest DCA against the real market.
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