// multi-utility computation suite · offline · instant · precise
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fin.dollar-cost-averaging Calculator
Compares dollar-cost averaging vs. lump sum investing at the same total capital, showing final portfolio value for each approach. Lump sum investing outperforms DCA approximately two-thirds of the time in trending markets — DCA provides psychological comfort at the cost of expected return.
Inputs
Monthly Investment
Reference formula or conversion factor shown for context.
Num Months
Count of items or occurrences.
Initial Price
Reference formula or conversion factor shown for context.
Final Price
Reference formula or conversion factor shown for context.
Price Volatility Pct
Annualised standard deviation of returns, as a decimal (e.g. 0.2 for 20%). Higher volatility increases option value. Implied vol is derived from market prices.
Results
DCA portfolio value ($)
The computed numeric or monetary value.
lump sum portfolio value ($)
The computed numeric or monetary value.
total invested ($)
The combined total across all inputs and components.