What is lump sum investing?

Lump sum investing is when you invest all your money at once rather than spreading it out over time.

What is dollar-cost averaging (DCA)?

DCA is a strategy where you invest a fixed amount of money at regular intervals, regardless of market conditions.

Which strategy has higher ROI: Lump Sum or DCA?

Historically, lump sum investing tends to outperform DCA, but DCA may reduce risk during volatile periods.

Lump Sum vs DCA Investment Strategy Comparison | ROI Simulator

Lump Sum vs DCA Investment Strategy Comparison

Discover which strategy performs best in different market conditions. Use our data-backed comparison tool to explore the benefits and drawbacks of lump sum investing and dollar-cost averaging.

WhatIfInvested Simulator

Loading assets...

WhatIfInvested Simulator

📈 Investment Parameters ?

Select Assets (max 2):

Select more than 2 assets? Upgrade to Premium 🔒

Search Asset:

Start Date:

End Date:

Lump Sum ($):

DCA Amount ($):

DCA Frequency:

Unlock Daily & Weekly? Go Premium 🔒

Chart Type:

Simulation Mode:

Compare both? Upgrade to Premium 🔒

Love this tool? Support it here

📊 Simulation Results ?

Loading chart...

🗂️ Detailed Comparison ?

Asset	Strategy	Invested ($)	Final Value	Gain	ROI

Saved Simulations ?

Name	Saved At	Action

Why use a DCA investment simulator?

WhatIfInvested.com now offers two versions:

Free: interactive DCA simulator for up to 2 assets (crypto, stocks, ETFs), with up to 5 years of historical data, monthly frequency, line or bar charts, and a detailed comparison table.
Premium: build up to 4 dynamic portfolios with custom weightings, choose daily/weekly/biweekly frequencies, compare Lump Sum & DCA side-by-side, view advanced charts (performance %, histograms, allocation pies), export CSV/PDF, and receive price alerts.

➤ The Free version is perfect for quick, simple strategy back-testing.
➤ Upgrade to Premium for professional-grade tools and in-depth analysis.

Key features

Free: simulate up to 2 assets, historical data, toggle $ vs % charts.
Premium: four portfolios, weighted allocations, multiple frequencies, Lump vs DCA comparison.
Mobile-friendly interface, dark mode, responsive design.
Export your results as CSV & PDF (Premium only).
Regular updates and dedicated support.

Ready to get started? Try the Free simulator now, or discover Premium for even more power!

What’s the Difference Between Lump Sum and DCA?

Lump Sum Investing means investing your full amount at once. It has higher risk, but can benefit more during bull markets.

Dollar-Cost Averaging (DCA) means spreading your investments over time. This reduces volatility risk and is ideal during uncertain markets.

Want to Try It Yourself?

Use our interactive simulator to test your own investment strategies,
or learn more about our data on the methodology page.

lump sum investing vs DCA, best way to invest, crypto investment strategy comparison, historical stock investment return, DCA backtest, long term ETF performance, dollar cost averaging vs one-time investment, Bitcoin lump sum ROI, Tesla DCA returns, S&P 500 investment simulation.

Lump Sum vs DCA Investment Strategy Comparison

🔒 Premium Feature

WhatIfInvested Simulator

📈 Investment Parameters ?

📊 Simulation Results ?

🗂️ Detailed Comparison ?

Saved Simulations ?

Why use a DCA investment simulator?

Key features

Enter your Email

Share Simulation

What’s the Difference Between Lump Sum and DCA?

Want to Try It Yourself?