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The DCA Simulator

Dollar-Cost Averaging (DCA) means investing a fixed amount at regular intervals — say, $100 every month — instead of putting a large sum in all at once. This tool compares DCA against a lump-sum investment using the same illustrative price path, so you can see how spreading purchases out changes your exposure to bad timing. It's useful because nobody can predict whether prices will rise or fall right after they invest — DCA doesn't guarantee a better return, but it removes the risk of putting everything in at the worst possible moment.

$100
$10$1,000
12 months
636
Illustrative price path (not real market data)
A hypothetical volatile path, for illustration only — not a real asset's history or a forecast.
Dollar-cost averaging$0
Lump sum, invested on day one$0
The lesson behind the number

Neither approach always wins — it depends entirely on the path the price actually takes, which nobody can know in advance. What DCA actually buys you isn't a better return; it's less regret. You're never the person who put everything in at the worst possible moment.

Same money. Different timing risk.

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