How this calculator helps
What the calculator is for
The DCA calculator shows how regular investing of the same amount may develop over time. Dollar-cost averaging reduces dependence on one purchase date and helps investors keep a plan during rising and falling markets.
How the calculation works
In future mode, the calculator uses monthly contributions, initial investment, expected annual return and investment horizon. In historical mode, it uses stored asset prices and calculates purchased units, average price, current value, profit or loss and return.
Practical example
Example: investing CZK 5,000 per month for 30 years at an expected 8% annual return shows an estimated future portfolio value. Reducing return or shortening the horizon immediately shows how sensitive the result is to time and discipline.
What to watch out for
DCA does not remove investment risk. Regular purchases may reduce timing risk, but they do not guarantee profit. Fees, taxes, asset selection, currency risk and the ability to invest regularly all matter.
FAQ
What does DCA mean?
DCA means investing the same amount regularly regardless of the current market price.
Is DCA suitable for beginners?
Often yes, because it creates a simple routine and reduces the need to pick the perfect purchase price.
Does DCA guarantee profit?
No. DCA is a purchasing method, not a guarantee of positive return.
Can I share the result?
Yes. The basic parameters are stored in the URL, so you can send the same scenario as a link.