DCA calculator
Two strictly separate modes. Backtest replays a fixed contribution on a fixed schedule over real split- and dividend-adjusted (total-return) prices - up to 5 stocks/ETFs at fixed weights, dividends reinvested, no fees or taxes, versus the same schedule into the S&P 500 (SPY) - every figure engine-computed from historical prices, with no LLM. Plan runs entirely in your browser: arithmetic on a return assumption you choose. The backtest is a historical statistic and the plan is a hypothesis - neither is a prediction or investment advice.
| Ticker | Valor final | Ganancia % | anualizado (XIRR) |
|---|---|---|---|
| Tu canasta (SPY) | $136,300 | +127.2% | +15.7% |
| Mismo plan en SPY | $136,300 | +127.2% | +15.7% |
| Suma única el día 1 (mismo total, misma canasta) | $240,859 | — | — |
Backtest 2016-07-18 → 2026-07-17 · 120 de 120 compras programadas ejecutadas
A dollar-cost-averaging backtest over real split- and dividend-adjusted (total-return) prices: what investing a fixed amount on a fixed schedule would have grown to, with dividends reinvested and no fees, taxes, or fractional-share limits, versus the same schedule into SPY. A disclosed historical statistic - NOT a prediction, a guarantee, or investment advice. Past performance does not predict future results.
Prellenado con el promedio de largo plazo del S&P 500: ~10.0%/año de retorno total (media geométrica, nominal, dividendos reinvertidos, 1928-2025 - NYU Stern / A. Damodaran, 'Historical Returns on Stocks, Bonds and Bills'). Un estadístico histórico, no un pronóstico.
IMPORTANTE: Las proyecciones que genera esta calculadora son de naturaleza hipotética, calculadas únicamente a partir del supuesto de retorno que ingresaste. No reflejan resultados reales de inversión y no son garantía de resultados futuros. Excluyen impuestos, comisiones e inflación. Esto es aritmética sobre tus datos, no un pronóstico de Tickwind ni asesoría de inversión.
Cómo se calcula esto
- Se realiza una aportación de tu monto al inicio de cada mes (más la aportación inicial opcional en el mes 0).
- El saldo capitaliza mensualmente a (1+r)^(1/12) − 1, donde r es el retorno anual que definiste arriba.
- La banda de varianza, cuando está activada, vuelve a ejecutar la misma aritmética en r ± el ancho que elijas: no es un intervalo de confianza estadístico.
How the backtest works
- A fixed amount on a fixed schedule. Each monthly or weekly contribution is split across the basket at fixed weights and buys at that day’s adjusted close (fractional shares, no fees or taxes). There is no rebalancing: the basket drifts with performance, exactly like a real fixed-split auto-invest plan.
- Total return, not price-only. Prices are split- AND dividend-adjusted, so every curve already includes reinvested dividends.
- Buys execute on the first common trading day at or after each scheduled date across every basket ticker and SPY; a slot with no trading day of its own is skipped and disclosed - money is never silently doubled up.
- annualized (XIRR) is the money-weighted annual return that makes the dated contributions grow to the end value - the honest rate for a stream of contributions, where a simple CAGR would be wrong. It is omitted (—) on windows under a year rather than annualized misleadingly.
- The SPY row applies the identical schedule to the S&P 500 ETF; the lump-sum row shows the same total invested in the same basket on day 1 - the classic DCA-versus-lump-sum comparison, disclosed instead of implied.
- A historical backtest, not a forecast. A stat that cannot be computed honestly shows "—", never a fabricated 0. Past performance does not predict future results.
The backtest on this page is a disclosed historical statistic over real prices; the plan is hypothetical arithmetic on your inputs. Neither is a prediction, a price target, or investment advice. Past performance does not predict future results.