Dollar-Cost Averaging Calculator

Model regular investing at changing average prices to estimate units accumulated, cost basis and portfolio value. The result updates as you type so you can compare scenarios quickly.

The method

How it is worked out

Units = total invested ÷ average purchase price; value = units × current price

monthly: Regular investment
average price: Average price actually paid
current price: Current or sale price

Keep in mind

What it leaves out

Price pathUsing one average price simplifies the real sequence of purchases.
FeesTrading fees and spreads are excluded.
TaxCapital gains and income taxes are excluded.

Use the calculator to compare scenarios rather than as a guaranteed forecast.

About the Dollar-Cost Averaging Calculator

See the effect of investing the same amount at regular intervals instead of buying everything at one price. This tool can help you understand units accumulated, your average purchase price and what those units would be worth at a selected current price.

How it works and an example to tryShow less

How to use the result

The model relates total money invested to the purchase-price assumption to estimate units acquired, then multiplies units by the current price for an indicative value. It does not import a live price history or simulate a genuine sequence of changing market quotes. Brokerage fees, tax and market volatility are outside the simple estimate.

Example to try

Start with a 200 monthly contribution over three years. Change the average purchase price, then the current value, one at a time. Distinguish an assumed average price from actual orders: a real investment record needs each purchase date, price and number of units.

Put it to work

Try it on a real situation

Load an example

What moves the result most

Worked out from your figures above. Tap a row to try it.

Who uses it, and when

New investors nervous about buying at the wrong time, employees investing a fixed sum each payday, and anyone comparing regular investing with a one-off lump sum.

Mistakes worth avoiding

Believing averaging guarantees a better price; in a steadily rising market a lump sum wins.
Ignoring per-trade fees, which punish small monthly purchases.
Stopping contributions in a downturn, which is exactly when the strategy does its work.

Questions

What does the Dollar-Cost Averaging Calculator do?

Model regular investing at changing average prices to estimate units accumulated, cost basis and portfolio value.

How should I use the result?

Does TechBullion store the information I enter?

The core calculation or transformation runs in your browser. Normal website security and analytics may still record page-level events, but the tool does not need to create a public record from your inputs.

What mistakes do people make with a dollar-cost averaging calculator?

Believing averaging guarantees a better price; in a steadily rising market a lump sum wins. Ignoring per-trade fees, which punish small monthly purchases. Stopping contributions in a downturn, which is exactly when the strategy does its work.

Is the result guaranteed?

No. Use the result as a practical check or planning aid and verify important decisions with the relevant primary source, provider or professional advice.

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