Dollar-Cost Averaging Calculator
See how regular investing smooths out market volatility over time.
2026 Tax YearData stays on your deviceUpdated Apr 1, 2026
$
DCA Portfolio Value
$92,082.84
Total Invested
$60,000.00
Investment Growth
$32,082.84
DCA vs Lump Sum (same total invested)
DCA ($500.00/mo)
$92,082.84
+$32,082.84 growth
Lump Sum ($60,000.00 at start)
$129,535.50
+$69,535.50 growth
Frequently Asked Questions
DCA vs lump sum?
Statistically, lump sum investing beats DCA about 2/3 of the time because markets tend to go up. However, DCA reduces timing risk and is more practical for most people who invest from paycheques.
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Built and reviewed by Konstantin Iakovlev · Data from CRA, CMHC, Bank of Canada · MethodologyDisclaimer: This calculator provides estimates based on publicly available data from CRA and other government sources. It does not constitute financial advice. Consult a qualified advisor for decisions about your specific situation.
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