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Regular Investing Calculator

Calculates the total invested and the value at the last observation date, using real closing prices, had the same amount been bought at regular intervals in the past. Past results do not indicate future returns.

Historical recurring investment calculation

Uses available historical closing prices and historical currency conversion. Missing data produces no result. Purchases are assumed at the first available trading close. Fees, taxes, dividends and slippage are excluded.

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About the dollar-cost averaging (DCA) calculator

What is dollar-cost averaging?

Dollar-cost averaging, or DCA, means buying with the same amount at regular intervals whatever the price. When the price is low the same amount buys more units, and when it is high it buys fewer, so the total cost is spread across the prices on each purchase date. Rather than trying to guess when the market will bottom out or peak, the approach aims to spread purchases over time.

How does the calculator work?

You choose the asset, the regular amount, a period of one, three or five years and a monthly, fortnightly or weekly frequency; the calculation uses the real historical closing prices that match those choices. On each purchase date, the amount is divided by the first available close on or after that date to find the units bought; the units are added up and valued at the price on the latest observation date. Currency conversion uses the rate of each date. No result is produced for assets with missing history, and indices and interest yields are not listed because they cannot be bought directly.

Reading the results

The calculation shows what happened in the past; the same approach can give a different result over another period. Commissions, taxes, dividends and slippage are not included. Regular buying does not remove the risk of loss; it only keeps the timing of purchases from depending on a single day. The valuation date on the results screen shows which observation the final value is based on.

Building a scenario from assumptions

If you would like to build a savings scenario with an assumed future return and inflation rate, the compound return calculator is the tool for it. To see how two assets moved over the same period side by side, use the asset comparison tool.