What is DCA investing?
Dollar-cost averaging means investing a fixed amount on a regular schedule, regardless of market price.
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Backtest, Project, and Compare Your Investment Plan
Start with a historical DCA backtest, or switch to a forward-looking compound interest projection when you want to model future growth.
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Historical DCA Backtest
Backtest monthly investments with historical market data for ETFs and high-growth stocks.
Symbol
VOO
Final value
$72,942
Return
52.0%
Projection
Compound Interest Calculator
Estimate future portfolio growth with recurring contributions and monthly compounding.
Years
20
Final value
$343,778
Growth
2.6x
Historical DCA Backtest
Test a Monthly Investment Against Historical Market Data
Compare how a steady monthly contribution could have performed using historical market prices for popular ETFs and stocks.
Backtested ending value
$72,942
52.0% total return for VOO.
Backtest Inputs
DCA Scenario
Sample data
Shares accumulated
130.2535
Fractional shares included
Backtests use monthly prices generated from historical daily adjusted close data where available.
Total Invested
$48,000
Final Value
$72,942
Total Profit
$24,942
Total Return
52.0%
Historical Projection
DCA Value Over Time
Portfolio value
Total invested
Annual Detail
Yearly Backtest Table
Past performance does not guarantee future results. This calculator is for educational purposes only and is not financial advice.
FAQ
Frequently Asked Questions
How does the historical DCA backtest work?
The backtest applies your monthly investment to the selected symbol over your chosen years. It uses monthly prices generated from historical daily adjusted close data where available.
Does this calculator include dividends?
The calculator uses adjusted close data where available, which may reflect dividends and corporate actions in the historical price series, but it does not separately model dividend cash payments or reinvestment rules.
Why are results different from real brokerage returns?
Real brokerage returns can differ because of execution prices, trading dates, taxes, fees, bid-ask spreads, dividend treatment, currency conversion, and data-source differences.
Is this financial advice?
No. Past performance does not guarantee future results. This calculator is for educational purposes only and is not financial advice.
Which stocks and ETFs are supported?
The DCA Backtest currently supports VOO, SPY, QQQ, AAPL, TSLA, and NVDA.
Can I change the currency?
Yes. You can change the display currency in the top navigation. Calculations remain based in USD internally, and conversion uses sample exchange rates for demonstration.