Returns & Compounding Calculators
DCA Calculator
What if you had invested steadily every month in the KOSPI, S&P 500, Samsung Electronics or Bitcoin? Simulated with actual historical data.
Enter your values and press Calculate
Market value
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Total invested
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Cumulative return
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Annualized return (IRR)
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How to use
Regular investing seen through actual historical data
Instead of an assumed return, this calculates the result of buying the same amount every month at actual month-end closing prices.
Choose an asset and period
Choose from the KOSPI, S&P 500, Nasdaq, major stocks, Bitcoin and gold, then set the start and end months.
Enter monthly contribution
Assumes you buy the same amount each month at the month-end close. Fractional purchases are allowed.
Compare with lump-sum investing
See what would have happened if you had put in the same total in the first month, and compare the pros and cons of regular investing.
How it is calculated
Each month, the contribution divided by that month's closing price is added to your quantity, and the total is valued at the end-month close. For overseas assets with the KRW option selected, purchases are converted at that month's USD/KRW rate and revalued in won at the end-month rate.
The annualized return is the internal rate of return (IRR), which takes into account when each month's money went in. It shows regular-investing performance more fairly than the simple cumulative return.
This is a price return that does not include dividends, taxes or trading costs. Including dividends, actual performance may be slightly higher.
FAQ
Where does the data come from?
Korean indices and stocks use NAVER Finance monthly candles (adjusted prices); overseas indices, stocks, Bitcoin and gold use Yahoo Finance month-end closes; exchange rates use US Federal Reserve (FRED) month-end rates. The data reference date is shown at the top of the page.
Why does regular investing often show lower returns than lump-sum investing?
Because for assets that rise over the long term, putting more in earlier works out better. In exchange, regular investing reduces the risk of investing everything at a peak and has the effect of buying more shares in a falling market.
Are dividends included?
No. It is based on price return. You can see the effect of dividend reinvestment separately in the Dividend Reinvestment (DRIP) Calculator.
Can I share the results?
Press Copy result link to copy a link containing your inputs. When the recipient opens it, the same result is calculated right away.
Results are estimates based on your inputs and simplified assumptions, and are for reference only, not a basis for investment decisions.
Tools that work well together
Compound Interest Calculator
Calculate how much your principal and monthly contributions grow with compounding, and how much you need each month to reach a target amount.
Returns & CAGR Calculator
Instantly convert period returns into annualized returns (CAGR), and annual returns into period returns.
Dividend Reinvestment (DRIP) Calculator
Calculate future dividends and assets including after-tax dividends, dividend growth and the effect of reinvestment.