# Dollar-cost averaging simulator — model regular investing, no upload

> Simulate dollar-cost averaging: model regular contributions against a return to see how a portfolio grows over time. Runs in your browser, no upload. Informational only.

Model dollar-cost averaging by simulating regular fixed contributions against an assumed return, to see how consistent investing compounds over time. It runs on your device and is for illustration, not investment advice.

Dollar-cost averaging is the discipline behind most long-term investing: put in a set amount each month and let compounding do the work. This simulator shows the gap between what you contribute and what it could grow to under an assumed return.

It makes the value of consistency visible, which is the real point of DCA. For a fuller retirement picture use the FIRE projector, and for the raw compounding math use the Compound interest calculator.

## How to

1. **Set the contribution.** Enter the amount and how often you invest.
2. **Set assumptions.** Add an expected annual return and time horizon.
3. **Review.** See total invested versus projected value over time.

## FAQ

### What is dollar-cost averaging?

Investing a fixed amount at regular intervals regardless of price, which smooths out your average purchase price and removes the pressure to time the market.

### Does this predict real returns?

No. It applies a constant assumed return for illustration; actual markets fluctuate, so real outcomes will differ from a smooth projection.

### Is this investment advice?

No. It's an educational model of a strategy, not a recommendation to invest. Consider your own circumstances or consult a professional.


## Related tools

- [Compound interest](https://www.safepaper.app/finance/compound-interest)
- [Retirement / FIRE](https://www.safepaper.app/finance/retirement-fire)
- [CAGR & XIRR](https://www.safepaper.app/finance/returns-xirr)
- [Rebalancing](https://www.safepaper.app/finance/portfolio-rebalance)

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Canonical HTML: https://www.safepaper.app/finance/dca
Markdown: https://www.safepaper.app/finance/dca.md

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