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Gold & silver DCA calculator

What would your stack look like if you bought $100 (or any amount) of gold or silver every month? See how 5, 10 and 20 years of monthly buying would have played out at historical spot prices.

DCA calculator: 10-year gold example

Live calculator

Try your own scenario. Defaults to $100/month into gold for 10 years.

Updates instantly — pre-computed scenarios with current spot prices.
Total spent
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Current value
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Change
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Total accumulated: — oz

Worked examples — $100 / month

Below are pre-computed examples based on actual monthly spot prices over the last 5, 10, and 20 years. Hypothetical — no fees, premiums, or taxes included.

5-year DCA · $100 / month
Gold accumulated2.17 oz
Spent$5,200
Current value$9,073
Gold change ▲ +74.5%

Silver accumulated179.52 oz
Current value$10,892
Silver change ▲ +109.5%
10-year DCA · $100 / month
Gold accumulated5.71 oz
Spent$10,300
Current value$23,905
Gold change ▲ +132.1%

Silver accumulated462.02 oz
Current value$28,033
Silver change ▲ +172.2%
20-year DCA · $100 / month
Gold accumulated14.86 oz
Spent$20,500
Current value$62,240
Gold change ▲ +203.6%

Silver accumulated1021.99 oz
Current value$62,009
Silver change ▲ +202.5%

What is dollar-cost averaging?

Dollar-cost averaging (DCA) means buying a fixed dollar amount of an asset on a regular schedule, regardless of price. When the price is low you get more of it; when it's high you get less. It spreads purchases across many different prices instead of one.

Why some stackers buy on a schedule

Precious-metals prices have had long multi-year swings. Some stackers prefer a fixed monthly amount over trying to pick tops and bottoms. This calculator shows how that would have played out at past prices only.

Track your real DCA progress

Stakr lets you log each purchase with date and cost basis, then shows your real average cost vs current spot. Start tracking — it's free.

Track your own stack — free

Stakr is a free portfolio tracker for gold and silver stackers. Log your coins, set price alerts, and compare your stack to gold or the market.

Start tracking — it's free

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Built by stakrwealth.com · data via Yahoo Finance · updated daily