💰 DCA vs Lump Sum Calculator
Compare dollar-cost averaging vs. lump sum investing over time
📊 Portfolio Growth Comparison
* Assumes monthly DCA contributions at end of each period. Past performance does not guarantee future results. For educational purposes only.
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📖 How to Use the DCA Calculator
- Enter your investment amount — How much you plan to invest each time (e.g., $100 per week).
- Set the frequency — Weekly, bi-weekly, or monthly DCA intervals.
- Choose the period — 1 month to 5 years. The chart updates automatically.
- Compare with lump sum — Toggle the lump sum view to see how DCA vs lump sum performs.
- Adjust parameters — Hover over the bars for detailed breakdowns.
💡 Tip: DCA works best in volatile markets. The longer your time horizon, the more effective dollar-cost averaging becomes. Read our full DCA guide for strategy tips.
Frequently Asked Questions
Which is better: DCA or lump sum?
Lump sum historically outperforms DCA ~60% of the time in bull markets. DCA reduces timing risk and emotional stress, making it ideal for volatile or uncertain conditions.
Does DCA work in a bear market?
Yes 鈥?DCA in a bear market buys more crypto at lower prices, which can amplify returns during the next recovery. It removes the need to time the bottom.
How much should I DCA each month?
A common rule is 10-20% of your monthly investment budget. Consistency matters more than amount 鈥?even $50/week compounds significantly over years.
What is the best frequency for DCA?
Weekly DCA provides the most price averaging. Monthly works well for most investors. Bi-weekly aligns with common pay schedules.
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