Yes, 100% free. Calculate dollar cost averaging returns with no sign up or login required.

Can I simulate different contribution amounts?

Yes. Enter your monthly contribution, expected return rate, and time period to see projected investment growth.

Does FundHut show charts?

Yes. FundHut visualizes your investment growth with interactive charts comparing contributions vs returns.

No. All calculations happen locally in your browser. Nothing is stored or uploaded to any server.

Dollar Cost Averaging Calculator

Simulate DCA/SIP returns, compare with lump-sum investing, and analyze how time horizon affects your portfolio growth.

Plan your monthly fund investments for free, with no sign up. This dollar-cost averaging (DCA / SIP) calculator projects how regular contributions to mutual funds or index funds grow over time, so you can compare strategies before you invest.

⚙️ Investment Parameters

Monthly Investment Amount

Investment Duration (Years)

Expected Annual Return (%)

Currency

DCA (Dollar Cost Averaging)

Total Invested-

Final Value-

Total Return-

Return %-

Annualized Return-

Portfolio Value

Lump Sum Investment

Total Invested-

Final Value-

Total Return-

Return %-

Annualized Return-

Portfolio Value

📊 Sensitivity Analysis (by Annual Return)

Annual Return	DCA Final Value	Lump Sum Final Value	DCA Gain	Lump Sum Gain

⏳ Duration Analysis (by Investment Horizon)

Horizon (Years)	Total Invested	DCA Final Value	Lump Sum Final Value	DCA Return %

📈 Growth Chart

DCA Value

Lump Sum Value

Total Invested

📋 Monthly Breakdown

Month	Contribution	Cumulative Invested	Portfolio Value	Gain / Loss

How to Use

Enter Monthly Amount

Input how much you plan to invest each month in the Monthly Investment Amount field.

Set Duration

Choose how many years you want to continue your regular investment plan.

Set Expected Return

Enter the expected annual return rate. Historical stock market average is ~8-10%.

Click Calculate

Press the Calculate button to see detailed DCA vs Lump Sum comparison results.

Analyze Results

Review the growth chart, sensitivity table, and monthly breakdown to understand your investment trajectory.

Frequently Asked Questions

What is Dollar Cost Averaging (DCA)?

Dollar Cost Averaging is an investment strategy where you invest a fixed amount at regular intervals (e.g., monthly), regardless of market conditions. This reduces the impact of volatility on your overall purchase price.

Is DCA better than Lump Sum investing?

Historically, lump sum investing tends to outperform DCA about 2/3 of the time because markets generally trend upward. However, DCA reduces risk and is psychologically easier for most investors.

What annual return should I use?

The S&P 500 has historically returned about 10% annually before inflation (~7% after). For conservative estimates, use 6-8%. The calculator lets you run sensitivity analysis across multiple rates.

Does this calculator account for fees and taxes?

This calculator shows gross returns before fees and taxes. Actual returns will be lower depending on your fund expense ratios, transaction fees, and tax situation.

What is SIP and how does it relate to DCA?

SIP (Systematic Investment Plan) is the term commonly used in India and Asia for the same concept as DCA. Both involve investing a fixed amount at regular intervals into mutual funds or index funds.