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Recurring Investment & DCA Calculator

Plan systematic investments (SIP), align contributions with your weekly/bi-weekly paychecks, and discount future value for US inflation to project real purchasing power.

DCA projectionPaycheck alignmentInflation-adjusted values

Adjust Investment Inputs

$5,000
$
$500
$
8.5%
15 years
Adjust for US Inflation
3%

Projected Future Value

$199,988

Real Purchasing Power (15 yrs inflation):$128,365
Invested PrincipalGrowth / Interest
Total Contributions
$95,000
Total Return / Gains
$104,988

Yearly Compounding Schedule

YearTotal InvestedGrowth GainedFuture ValueReal Value
Yr 1$11,000+$726$11,726$11,384
Yr 2$17,000+$2,045$19,045$17,952
Yr 3$23,000+$4,012$27,012$24,720
Yr 4$29,000+$6,684$35,684$31,705
Yr 5$35,000+$10,121$45,121$38,922
Yr 6$41,000+$14,393$55,393$46,391
Yr 7$47,000+$19,573$66,573$54,130
Yr 8$53,000+$25,741$78,741$62,159
Yr 9$59,000+$32,985$91,985$70,499
Yr 10$65,000+$41,399$106,399$79,171
Yr 11$71,000+$51,087$122,087$88,198
Yr 12$77,000+$62,162$139,162$97,605
Yr 13$83,000+$74,746$157,746$107,417
Yr 14$89,000+$88,973$177,973$117,661
Yr 15$95,000+$104,988$199,988$128,365

US Retirement & Systematic Investing Guide

401(k) Payroll Deductions

Employers allow tax-deferred recurring deductions directly from paycheck cycles (weekly/bi-weekly). Many companies match up to 3%-6% of your contributions—a 100% immediate return on matching dollars.

Roth IRA compounding

Roth IRAs are built with after-tax money, meaning everything inside compounds and is withdrawn **100% tax-free** in retirement. Ideal for long horizons with high growth ETF/Stock portfolios.

Dollar-Cost Averaging (DCA)

Rather than trying to time volatile stock markets, regular recurring contributions buy more shares when prices are low and fewer when prices are high, lowering your average cost per share over time.

Recurring Investments FAQ