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DCA Investment Calculator

Calculate estimated returns when investing a fixed amount every month.

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How to Calculate

DCA (Dollar Cost Averaging) is a strategy of investing a fixed amount each month. Future Value of Monthly Contributions = Monthly Investment × ((1+r)^n - 1) / r Future Value of Initial Investment = Initial Investment × (1+r)^n r = Monthly return rate, n = Number of months Regular fixed-amount investing averages your cost basis and reduces market volatility risk.

Example

Monthly investment: ₩1,000,000, Expected annual return: 8%, Period: 20 years - Total invested: ₩240,000,000 - Expected final amount: approx. ₩589,020,000 - Expected return: approx. ₩349,020,000 - Return rate: approx. 145.4%

FAQ

Is DCA better than lump-sum investing?
Lump-sum investing tends to outperform in bull markets, but DCA reduces risk through cost averaging in volatile markets.
How do I set the expected return rate?
Historical stock market averages (7–10%) can be a reference, but future returns are not guaranteed. A conservative estimate of 5–7% is commonly used.