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Current for 2026How we verify data: Methodology

DCA Calculator — regular investing

Check the potential of the DCA (Dollar Cost Averaging) strategy. Enter your monthly amount, expected rate of return and investment horizon.

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How we calculate DCA

We use the future value of an annuity formula: FV = PMT × ((1+r)^n − 1) / r, where r is the monthly rate and n is the number of months.

Example: 500 zł/month, 8% annual return, 20 years

Capital invested: 120,000 zł. Portfolio value: about 294,000 zł. Profit: 174,000 zł.

Frequently asked questions

What is DCA?

Dollar Cost Averaging means investing a fixed amount at regular intervals, which smooths out the average purchase price over time.

Does DCA reduce risk?

It reduces the risk of investing everything at a market peak, but it does not remove general market risk.

What rate of return should I assume?

A long-term broad equity market average is often around 6–8% per year, but this varies and is not guaranteed.

No, this tool shows the gross portfolio value; capital gains tax would apply on profit when you sell.

This forecast assumes a constant monthly amount; for changing deposits, run separate scenarios and add the results.

Lump-sum often wins mathematically in rising markets, but DCA helps discipline and reduces timing stress.

The result is a forecast based on a fixed rate of return. Actual results may be different.

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ResultPLN 261,353.27wartosc_netto
wartosc_brutto
PLN 294,510.21
wplacono
PLN 120,000.00
zysk_netto
PLN 141,353.27
podatek_belki
PLN 33,156.94