STOXEON

Calculator

DCA planner

Decide a budget and a cadence, and see the schedule as numbers: how many orders, how much in total, and what the conversion fees skim along the way. Deliberately no return projections, because nobody honest has those.

Fractional orders start at $5 on the stock desk
Orders per year follows from this
How long you plan to keep the schedule running
Your conversion cost per order; stock commission itself was zero at launch
Orders placed –
Total invested –
Fees over the plan –

Formula: orders = frequency per year × months ÷ 12 (rounded down); total = amount × orders; fees = total × fee%. What the shares will be worth is your risk, not this page’s claim.

Why plan the boring way

Dollar-cost averaging is not magic; it is a commitment device. Fixed amount, fixed date, no opinion required on whether this week is “a good time”. The math this page does is deliberately dull: it tells you what the plan costs to run, not what it will return. Anyone who shows you a DCA calculator with a smooth green projection line is selling the line, not the discipline.

The one genuinely useful number here is fee drag. At $50 a month for a year, you place 12 orders and invest $600; a 0.1% conversion cost per order is $0.60 total, irrelevant. Crank the cadence to weekly at the same yearly budget and fees stay proportional, because percentage fees do not punish frequency. What punishes frequency is fixed costs per order, which the stock desk avoids by having no traditional commission and only a small percentage-based platform fee; that combination is precisely why small fractional buys became viable at all.

Using it with the stock desk

  • Pick the target first, one broad ETF beats a basket of hunches for a first plan; the reasoning is in the S&P 500 guide.
  • Fund a quarter’s worth of USDC at once if your on-ramp has fixed costs, then buy on schedule from the balance. The funding guide compares routes.
  • Re-run this page whenever the budget changes, and check the split stays sane with the rebalance calculator once a quarter.

A plan needs an account to run in

Set it up once with the code below; the fee discount then applies to every conversion your schedule makes.

Referral code BNB6669 Create a Binance account

20% off trading fees with this code, applied at sign-up. Trading involves risk of loss. See our disclosure and risk disclaimer.

Guides that pair with this tool

S&P 500 with cryptoThe usual first target for a recurring plan, and how to buy it here. Fractional sharesWhy $50 a month works at all: slices from $5, low per-order costs. Funding with USDCBatch the on-ramp, then let the schedule spend from the balance.