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Maker
📌
Hey PH! 👋 I'm Rich, the solo builder behind MyDCACalc.
I built this because every DCA calculator I found was either too simple or buried behind a paywall. So I made five free ones — DCA projection, position sizing, compound interest, multi-asset backtest, and inflation-adjusted returns.
The backtest calculator lets you compare Bitcoin, Ethereum, S&P 500, and Nasdaq side by side — something dcaBTC.com can't do.
DCA Pro is the paid layer for investors who want to track their actual performance — real avg cost, live P&L, and weekly AI signals.
Would love your honest feedback on what's missing or what you'd build next. What calculator would you actually use that isn't here yet?
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Maker
New tool just added: Investment Loss Recovery Calculator 📉
Shows exactly how much gain you need to break even after any loss. A 50% loss requires a 100% gain. A 70% loss requires 233%.
The DCA twist: it also shows how continuing to invest after a crash dramatically speeds up recovery by lowering your average cost.
See how reinvesting dividends compounds wealth over time vs taking cash. Includes dividend yield, dividend growth rate, and stock price appreciation separately — most calculators conflate all three.
Also just shipped: Portfolio Rebalancing Calculator ⚖️
Enter your target allocation and current holdings — it tells you exactly which assets to buy, which to sell, and how much. Includes 4 preset portfolios (60/40, three-fund, FIRE aggressive, crypto blend) and a drift chart showing current vs target side by side.
The 5% drift rule: if any asset is more than 5 points off target, it flags for rebalancing.
New guide: The 4% Rule Explained — Is It Still Valid in 2026? 📖
Morningstar's 2026 research now puts the safe withdrawal rate at 3.9%. Bengen (who created the rule) revised his estimate to 4.7%. The guide explains why both numbers are right — they just assume different things.
Covers: what the rule actually means, FIRE vs traditional retirement differences, sequence of returns risk, and 4 dynamic withdrawal alternatives.
A 1% annual fee on a $50K portfolio with $12K/year contributions costs over $180K in lost wealth over 30 years. Not because of the fee itself — because every dollar paid in fees can't compound for the remaining years.
Shows the exact fee drag, year-by-year table, and the compounding value of switching to a low-cost fund.
New tool just added: Investment Loss Recovery Calculator 📉
Shows exactly how much gain you need to break even after any loss. A 50% loss requires a 100% gain. A 70% loss requires 233%.
The DCA twist: it also shows how continuing to invest after a crash dramatically speeds up recovery by lowering your average cost.
→ mydcacalc.com/loss-recovery-calculator.html
Also just shipped: DRIP Calculator 💰
See how reinvesting dividends compounds wealth over time vs taking cash. Includes dividend yield, dividend growth rate, and stock price appreciation separately — most calculators conflate all three.
→ mydcacalc.com/drip-calculator.html
New calculator just launched: FIRE Calculator 🔥
Three modes in one:
- FIRE number — find your 25x target, years to reach it, Lean/Regular/Fat FIRE variants
- Coast FIRE — the point where you can stop contributing and let compounding do the rest
- Savings rate — see how dramatically your timeline changes at 10% vs 50% savings rate
Free, no sign-up → mydcacalc.com/fire-calculator.html
Also just shipped: Portfolio Rebalancing Calculator ⚖️
Enter your target allocation and current holdings — it tells you exactly which assets to buy, which to sell, and how much. Includes 4 preset portfolios (60/40, three-fund, FIRE aggressive, crypto blend) and a drift chart showing current vs target side by side.
The 5% drift rule: if any asset is more than 5 points off target, it flags for rebalancing.
Free → mydcacalc.com/rebalancing-calculator.html
New guide: The 4% Rule Explained — Is It Still Valid in 2026? 📖
Morningstar's 2026 research now puts the safe withdrawal rate at 3.9%. Bengen (who created the rule) revised his estimate to 4.7%. The guide explains why both numbers are right — they just assume different things.
Covers: what the rule actually means, FIRE vs traditional retirement differences, sequence of returns risk, and 4 dynamic withdrawal alternatives.
→ mydcacalc.com/guides/4-percent-rule-explained.html
New: Investment Fee Calculator 💸
A 1% annual fee on a $50K portfolio with $12K/year contributions costs over $180K in lost wealth over 30 years. Not because of the fee itself — because every dollar paid in fees can't compound for the remaining years.
Shows the exact fee drag, year-by-year table, and the compounding value of switching to a low-cost fund.
Free → mydcacalc.com/fee-calculator.html