DCA compounding calculator — adjust monthly investment, annual return, and years to see portfolio growth over time.

Monthly investment
$1,000
Annual return
10%
Years
20 yr
Total invested
$240,000
240 months × $1,000
Final portfolio
$759,369
3.2× your money
Compound gains
$519,369
68% of final value
Doubling time
7.3 yr
Rule of 72
Compound gains Total invested
DCA compound growth chart.
The crossover point — where gains exceed total invested — is year 13. After that, the market works harder than you do.