Data Sources
The DCA Calculator uses synthetic S&P 500 price data calibrated to documented historical waypoints (major peaks and troughs). The SIP Calculator uses a mathematical formula based on standard actuarial annuity calculations — it does not require historical market data. Both tools are intended solely for educational and illustrative purposes.
We plan to integrate live historical data from the Financial Modeling Prep (FMP) API for the S&P 500 and NSE India for the Nifty 50 TRI in a future update. When real data is integrated, this page will be updated accordingly.
DCA Calculator Formula
For each month in the selected date range:
- Shares purchased = Monthly Investment ÷ Closing Price
- Total shares accumulates each month
- Portfolio value = Total Shares × Latest Closing Price
CAGR = (Portfolio Value ÷ Total Invested)1/years − 1
SIP Calculator Formula
Standard SIP uses the future value of an annuity due:
FV = P × [((1 + r)^n − 1) / r] × (1 + r)
where:
P = monthly SIP amount
r = annual return rate ÷ 12
n = years × 12Step-Up SIP uses an iterative month-by-month simulation because the monthly contribution changes each year and there is no closed-form solution for arbitrary step-up periods.
Limitations and Assumptions
- Returns are nominal (not inflation-adjusted) unless explicitly stated.
- No taxes, fund expense ratios, or transaction costs are deducted.
- DCA assumes one investment per month on the first available trading day.
- SIP calculations assume end-of-month returns compounding.
- Past performance does not guarantee future results.
About Wealth DCA
Wealth DCA is an independent financial education tool. We are not a registered investment adviser. Nothing on this website constitutes financial, investment, legal, or tax advice. Always consult a qualified professional before making investment decisions.