Dollar-cost averaging

Project the result of contributing a fixed amount every month at a constant assumed return.

Starting balance ($)

Monthly contribution ($)

Annual return: 8%Years: 30

Value in 30 years

$745,180

Contributed $180,000 · Gained $565,180

5-year

$36,738

10-year

$91,473

20-year

$294,510

30-year

$745,180

Formula

Each month: B_m = B_m-1 × (1 + r/12) + C, where C is the monthly contribution and r is the annual rate. Equivalent closed form: FV = B₀(1+r/12)^12t + C × ((1+r/12)^12t−1)/(r/12).

Illustrative only. Calculator outputs assume constant inputs and ignore taxes, fees, inflation, and market volatility unless stated. For research and educational purposes only — not financial advice.