Dollar Cost Averaging (DCA) Calculator Singapore 2026
See how a regular monthly investment compounds over time. Calculate total portfolio value, gains, and milestone balances for any DCA strategy.
$
$
% p.a.
yrs
Total Invested$130,000
Portfolio Value (20 yrs)$300,680
Total Gains$170,680
Return on Investment131.3%
Portfolio Growth Over Time
| Year | Total Invested | Portfolio Value | Gains |
|---|---|---|---|
| Yr 5 | $40,000 | $50,031 | $10,031 |
| Yr 10 | $70,000 | $106,719 | $36,719 |
| Yr 15 | $100,000 | $186,996 | $86,996 |
| Yr 20 | $130,000 | $300,680 | $170,680 |
DCA (Dollar Cost Averaging) reduces timing risk by investing fixed amounts regularly. Popular SG platforms for DCA: POSB Invest-Saver, FSMOne RSP, Syfe Core, Endowus. Returns are not guaranteed — historical global equity markets have returned ~7–10% p.a. long term.
The Power of Starting Early (Example)
| Scenario | Monthly | Years | Final Value* |
|---|---|---|---|
| Start at 25 | S$500 | 35 yrs | ~S$965K |
| Start at 30 | S$500 | 30 yrs | ~S$680K |
| Start at 35 | S$500 | 25 yrs | ~S$474K |
| Start at 35 (2x) | S$1,000 | 25 yrs | ~S$949K |
* Assumes 7% p.a. return, no lump sum. Starting 5 years earlier is worth S$285K.