Go beyond basic projections. WhatIfInvested Premium helps you compare recurring investment strategies, custom portfolios, asset weights, fees, rebalancing assumptions, benchmarks and exportable results.
Cancel anytime from your account. Educational planning tool only. Not financial advice.
Free calculators are useful for a fast estimate. Premium is designed for investors who want to compare more realistic scenarios where allocation, fees, benchmarks and rebalancing can change the result.
Test DCA, lump sum, benchmarks and multiple portfolios side by side instead of relying on one projection.
Add custom asset weights, fees, contribution schedules and rebalancing logic for more realistic planning.
Save scenarios, export results and use charts to revisit your assumptions as your plan evolves.
The Premium DCA Calculator is built for users who want to stress-test investment ideas, not just calculate a single future value. Use the premium DCA calculator when portfolio assumptions, benchmarks and fees matter more than a quick estimate.
A premium DCA calculator is most useful when it helps you compare assumptions clearly. It should not pretend to predict the future or replace personal financial advice.
Start free when you need a quick answer. Upgrade to Premium when you need stronger comparison, deeper assumptions, better scenario analysis and access to the broader Premium tool suite.
For a single recurring contribution estimate, the free DCA Calculator is usually enough. Premium becomes more useful when you want to compare several portfolios, test a benchmark, include fees, save results or explain the difference between two investment paths with clearer evidence, repeatable inputs and a cleaner review process before making decisions confidently over time.
| Feature | Free tools | Premium workspace |
|---|---|---|
| Basic DCA projection | Included | Included |
| Compound growth estimates | Included | Included with deeper scenarios |
| Multiple custom portfolios | Limited | Included |
| Custom asset weights | Limited | Included |
| Fees and rebalancing assumptions | Limited | Included |
| Benchmark comparison | Limited | Included |
| Scenario saving and exports | Limited | Included |
The public Premium DCA Calculator page explains the advanced simulation workflow. The protected Premium tools stay behind the member area so active subscribers can access Premium DCA, Premium Compound and future Premium tools after logging in.
Use this page to understand whether custom portfolios, benchmarks, fees, rebalancing and exports are useful for your research.
Go to Pricing to compare Monthly and Annual. Both plans unlock the Premium tool suite.
After subscribing and logging in, use the Premium Tools dashboard to choose Premium DCA for historical strategy testing, Premium Compound for forward-looking projections, and future Premium tools as they launch.
Premium is most useful when you are comparing real investment decisions and want to understand how different assumptions change the outcome.
Compare broad-market ETF portfolios, allocation weights and contribution schedules.
Test recurring contribution amounts, dates, frequencies and long-term performance paths.
Compare volatile assets against diversified portfolios and benchmark scenarios.
Turn budgeting surplus into investment scenarios you can review and adjust over time.
The strongest use case is not a single forecast. It is comparing several reasonable scenarios in the premium DCA calculator so you can see which assumptions drive the result.
Build a simple broad-market portfolio, then compare it with a more concentrated ETF mix. This helps show whether extra complexity meaningfully changed the historical result.
Use the same start date, asset selection and benchmark to compare recurring contributions against a lump sum. The result can change across bull markets, bear markets and volatile periods.
Model a small crypto allocation beside a traditional ETF portfolio. Premium helps show how volatility, timing and allocation weight can affect the full portfolio, not just the crypto sleeve.
Save or export scenarios when you want to revisit assumptions later. This is useful when your contribution amount, timeline, risk tolerance or preferred benchmark changes.
A historical investment simulator is powerful, but only when the inputs are realistic and the results are interpreted with care.
A strategy can look excellent if the start and end dates are favorable. Compare multiple periods when possible, especially around crashes, recoveries and long sideways markets.
Small costs can matter over long periods. Premium lets you think about fees and rebalancing assumptions instead of treating every scenario as perfectly free to execute.
Make sure the contribution amount, start date, benchmark and asset weights are intentional. A fair comparison makes the lesson clearer and avoids misleading conclusions.
Use WhatIfInvested as a connected toolkit: budget first, estimate contributions, then test advanced investment scenarios.
Use WhatIfBudget to estimate monthly surplus.
Use the free DCA calculator for a quick recurring investment projection.
Use Premium DCA to compare custom portfolios, benchmarks, fees and assumptions inside the broader Premium workspace.
Use Premium Compound Growth Planner when you want to project future contribution schedules, fees and inflation.
Quick answers before upgrading to the Premium planning workspace.
Yes. WhatIfInvested offers free tools including the DCA Calculator, Compound Interest Calculator, Investment Simulator and WhatIfBudget. Premium is for deeper scenario comparison.
Premium adds multiple custom portfolios, weighted assets, benchmarks, fees, rebalancing assumptions, advanced charts, scenario saving and exports.
Yes. Premium includes a 7-day free trial. Monthly is listed at $6.99 per month and Annual is listed at $59.99 per year after the trial.
Yes. You can manage or cancel your subscription from your account. Access to the protected Premium tool depends on active subscription status.
Yes. The tool is designed for comparing different asset types as long as supported historical data is available.
The tool uses historical market data and the assumptions you choose. It can help compare scenarios, but it cannot predict future returns, taxes, fees, currency effects or personal outcomes with certainty.
Use the premium DCA calculator when you need multiple portfolios, custom weights, benchmarks, fees, rebalancing assumptions, saved scenarios or exports. Use the free tools for simple single-scenario estimates.
No. WhatIfInvested is an educational planning and simulation tool. It does not provide personalized financial advice.
After subscribing and logging in, Premium users access Premium DCA, Premium Compound and future Premium tools from the protected Premium Tools dashboard.
Start the 7-day trial, test custom portfolios and compare Monthly vs Annual when you are ready to keep using the Premium tool suite.
Start the Premium trial