← All Tools
Dollar Cost Averaging Simulator
Compare spreading your investment over time (DCA) versus investing all at once (lump sum) across different market scenarios.
$
$
DCA Final Value
$13,656
Lump Sum Final Value
$15,471
Lump Sum leads by $1,814 (+11.7% difference)
Historically, lump sum investing wins approximately 68% of the time over a 10-year horizon, but DCA reduces maximum drawdown by 0.0% in this simulation, which can matter significantly if your timeline is short or your risk tolerance is low.
Month-by-Month Breakdown
| Month | Simulated Price | DCA Portfolio | Lump Sum Portfolio |
|---|---|---|---|
| Month 1 | $99.28 | $1,000 | $11,913 |
| Month 2 | $97.86 | $1,986 | $11,743 |
| Month 3 | $101.40 | $3,058 | $12,168 |
| Month 4 | $102.51 | $4,091 | $12,301 |
| Month 5 | $105.60 | $5,214 | $12,672 |
| Month 6 | $105.91 | $6,230 | $12,709 |
| Month 7 | $110.61 | $7,506 | $13,274 |
| Month 8 | $112.44 | $8,631 | $13,493 |
| Month 9 | $122.12 | $10,373 | $14,654 |
| Month 10 | $133.88 | $12,372 | $16,065 |
| Month 11 | $144.77 | $14,378 | $17,372 |
| Month 12 | $151.41 | $16,038 | $18,169 |
| Month 13 | $159.61 | $16,907 | $19,153 |
| Month 14 | $170.49 | $18,060 | $20,459 |
| Month 15 | $176.96 | $18,745 | $21,235 |
| Month 16 | $174.47 | $18,481 | $20,936 |
| Month 17 | $171.49 | $18,165 | $20,579 |
| Month 18 | $179.36 | $18,999 | $21,523 |
| Month 19 | $185.73 | $19,674 | $22,288 |
| Month 20 | $190.30 | $20,158 | $22,836 |
| Month 21 | $188.08 | $19,923 | $22,570 |
| Month 22 | $178.77 | $18,937 | $21,453 |
| Month 23 | $174.51 | $18,486 | $20,942 |
| Month 24 | $165.31 | $17,510 | $19,837 |
| Month 25 | $165.49 | $17,529 | $19,858 |
| Month 26 | $163.64 | $17,334 | $19,637 |
| Month 27 | $152.62 | $16,167 | $18,315 |
| Month 28 | $151.02 | $15,997 | $18,122 |
| Month 29 | $145.18 | $15,378 | $17,422 |
| Month 30 | $135.11 | $14,312 | $16,213 |
| Month 31 | $125.89 | $13,335 | $15,107 |
| Month 32 | $123.46 | $13,078 | $14,815 |
| Month 33 | $124.96 | $13,237 | $14,995 |
| Month 34 | $127.56 | $13,512 | $15,307 |
| Month 35 | $129.40 | $13,707 | $15,529 |
| Month 36 | $128.92 | $13,656 | $15,471 |