How to Use the DCA Planner
This tool helps you visualise the power of Dollar Cost Averaging (DCA). Instead of trying to guess the perfect time to buy, you can simulate what happens when you buy consistently, even when prices move up or down.
1. Start Your First Entry
Date
Pick a starting date (today or a day in the past).
Invest Amount ($)
How much cash you want to spend per buy (for example 100).
Asset Price ($)
The current price of the asset (for example Bitcoin at 95,000).
Click “+ Insert Entry” to log your first buy.
2. Simulate Future Scenarios
After you click Insert, the tool automatically moves the date forward by one week. From here you can play with different scenarios:
Scenario A – Price Crash
- Change the Asset Price to be lower than before.
- Click Insert again.
- Watch how your Average Price drops as you keep buying cheaper.
This shows why buying during dips can lower your average cost per unit.
Scenario B – Price Rally
- Change the Asset Price to be higher than before.
- Click Insert again.
- Notice how your portfolio value (gold line) can grow faster than the amount of money you’ve put in (green line).
3. Reading the Chart
Green Area – Invested
The total cash you have put in from your pocket over time.
Gold Dashed Line – Value
The current value of your DCA portfolio at today’s simulated price.
- If the gold line is above the green area, you are in profit.
- If the gold line is below the green area, you are still in the accumulation zone (getting more units for cheaper).
4. Save Your Plan
When you’ve built a scenario you like, click “Save .xls” at the bottom right. This will download a spreadsheet file you can open in Excel, Numbers, or Google Sheets.
You can keep this file as your personal DCA plan, adjust numbers later, or compare different scenarios without needing to redraw everything from zero.
The Antidote to Market Anxiety
"Time in the market beats timing the market." Dollar Cost Averaging (DCA) is the strategy of dividing your investment into smaller, periodic purchases to smooth out volatility.
📉 How DCA lowers your risk
When you buy an asset (like Crypto or Stocks) with a lump sum, you risk buying at the absolute peak. If the price drops 20% tomorrow, your entire portfolio drops 20%.
With DCA, you buy a little bit now, a little bit next week, and a little bit next month.
- If the price drops: You buy more units for the same money (lowering your average cost).
- If the price rises: You already bought some at the lower price, so you are in profit.
🧠Removing Emotion from Money
The hardest part of trading isn't the math; it's the emotion. FOMO (Fear Of Missing Out) makes us buy high, and panic makes us sell low.
The "Sleep Well" Factor:
By committing to a mechanical schedule (e.g., "Buy Rp 1.000.000 every Monday"), you remove the need to stare at charts all day. You stop asking "Is this the bottom?" and start trusting the process.
*This tool helps you visualize exactly how many "bullets" (entries) you have left before you are fully invested.
Strategy FAQ
Lump Sum vs. DCA: Which is better?
Historically, "Lump Sum" (investing all at once) often mathematically wins in a market that goes straight up. However, DCA wins psychologically. If you Lump Sum and the market crashes 10% the next day, you might panic sell. DCA prevents that regret.
Does DCA guarantee profit?
No. If you DCA into a bad asset that goes to zero, you will still lose money (you just lose it slower). DCA is a strategy for entry, not a substitute for researching what to buy. Always stick to high-conviction assets.
Disclaimer: This tool is for educational purposes only. It simulates mathematical scenarios and does not constitute financial advice. All investments carry risk.
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