# DCA Investment Calculator

> DCA calculator: dollar cost average your investments and see total shares, average cost basis, and returns across recurring buys. Free, runs in browser.

- **Canonical URL:** https://boringtoolskit.com/dca-investment-calculator/
- **Category:** Finance & Investing
- **Evidence level:** authored-methodology
- **Reviewed:** July 26, 2026
- **Last verified:** 2026-10-12
- **Privacy:** Inputs and results stay in this browser unless the page clearly labels an external request.

## How it works

FV = initial x (1+r)^n + monthly x (((1+r)^n - 1) / r), with r the monthly return and n the months.

## Worked example

$1,000 initial plus $250 a month for 10 years at 7%: $31,000 contributed grows to about $45,281, with $14,281 of growth.

## Common questions

### What is a DCA calculator and how does it work?

A DCA calculator is a free online tool that estimates the future value of your investments by simulating regular, fixed-amount contributions over time using compound growth based on your expected rate of return.

### Do I need to create an account or share any personal data to use this tool?

No. This tool is entirely no-signup and runs in your browser, nothing is stored, shared, or sent to a server. Your inputs stay private and local to your device.

### How accurate are the projections from this DCA calculator?

The projections are estimates based on the assumptions you enter, such as your contribution amount, frequency, and expected annual return. Actual results depend on market conditions and are never guaranteed.

## Sources

- [Calculation methodology](/methodology/)
- [Quality evidence and verification standard](/quality-evidence/)

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*Local planning estimate. Verify current terms, rates, and policies before acting.*