DCA vs lump sum investing calculator

Compare dollar-cost averaging into a market position vs investing the full amount today, modeling expected drift and cost-basis differences.

Total amount to invest

DCA spread (months)

Expected annual return %

Expected annual volatility %

S&P 500 long-run volatility ~15-18%. Tech-heavy portfolios run 20-25%.

Lump-sum expected value (12 mo)

Show the work