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03Growth & Compounding

DCA vs. Lump Sum Calculator

Compare investing in periodic instalments against deploying the full amount at once.

Live instrument03 / DCA vs. Lump Sum Calculator
Currency
$
12 months
7%
10 yrs
Lump sum
$118,029
Historically ahead ~⅔ of the time
DCA
$116,807
Lump sum$118,029
DCA$116,807
Illustrative only. Historically, lump sum investing outperforms DCA in roughly two-thirds of rolling periods on broad equity markets — but DCA reduces regret risk and volatility exposure during deployment. This is a simplified constant-return model, not a historical backtest.
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