Dollar-Cost Averaging Calculator
Invest a fixed amount on a schedule, enter the prices you bought at, and see your average cost, units, value and gain.
Dollar-Cost Averaging Calculator
Leave empty to generate prices from the starting price and change per period. Periods missing from your list continue from the last price using that change.
Gain / Loss
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Total Invested
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Current Value
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Units Bought
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Average Cost per Unit
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Average Price (simple mean)
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Assumptions & method
- The same amount is invested at the start of every period at that period’s price. Units bought = amount ÷ price. Fractional units are allowed.
- Average cost per unit = total invested ÷ total units. This is the harmonic mean of the prices. Average price is the simple arithmetic mean of the prices, shown for comparison.
- Current value = total units × current price. If you leave the current price blank, the last period’s price is used. Gain = current value − total invested.
- Prices come from your list, or are generated as start price × (1 + change)period − 1. They are assumptions, not forecasts. Fees, taxes, dividends and spreads are ignored.
Results are estimates based on the figures you enter, not guarantees of future performance. Figures are shown in ₹ for consistency across this site; the maths works for any currency.
Period-wise Purchases
What is dollar-cost averaging?
Dollar-cost averaging (DCA) means investing a fixed amount at regular intervals regardless of price. Because the amount is fixed, you automatically buy more units when the price is low and fewer when it is high. Your average cost per unit therefore ends up at or below the simple average of the prices you paid.
DCA does not guarantee a profit or protect against losses. It mainly reduces the risk of committing everything at a bad moment and makes investing a habit. Try the sample list, then edit the prices to model a falling, rising or volatile market and compare the average cost line with the price line in the chart.