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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.

Reviewed byRedakcja Liczbnik
Calculator
PLN
%
lat
DCA strategy resultNet portfolio value (PLN)261,353.27PLN
Gross portfolio value (PLN)
294,510.21 PLN
Total contributions (PLN)
120,000.00 PLN
Net profit (PLN)
141,353.27 PLN
Belka tax (PLN)
33,156.94 PLN

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.

Does the calculator include taxes?

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

Can I change the contribution later?

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

Is monthly investing better than one lump sum?

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

Indicative result

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