Flexible contributions and portfolios
Invest daily, weekly, monthly or yearly. Compare up to four assets or build a portfolio of up to 100 holdings with no, yearly or quarterly rebalancing.
DCA Calculator & ETF Portfolio Backtester
Backtest dollar-cost averaging in US stocks and ETFs for free. Compare VOO, QQQ and portfolios with dividend reinvestment, annualized returns, drawdowns and exports.
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Understand your investment plan with historical data
TenYears backtests regular contributions to USD-denominated ETFs and stocks. Choose an amount, schedule and historical period to compare individual assets or a weighted portfolio, then explore contributions, asset value, returns and risk.
Dividends, returns and drawdowns
Use historical daily closes, stock splits and cash dividends. Toggle dividend reinvestment and inspect XIRR annualized returns, maximum drawdown and recovery time.
Share and export your investment ledger
Explore monthly or yearly records. Export CSV, PNG, JPG, SVG or PDF, and reproduce the same backtest with a shareable link or QR code.
Dollar-cost averaging backtest FAQ
What is a dollar-cost averaging backtest?
A DCA backtest simulates investing a fixed amount at regular intervals using historical prices. It helps you explore how assets, contribution schedules and holding periods performed in the past. Historical results do not predict future returns.
Which ETFs and US stocks can I backtest?
Search S&P 500 stocks, the 500 largest US-listed ETFs and a broader US company directory by ticker or English and Chinese names. Examples include VOO, QQQ, SPY, AAPL and MSFT. Backtests depend on the USD-denominated historical data actually available from the provider.
Are backtests limited to ten years?
No. Choose any start and end dates within the selected assets' available history, or start from listing. Dates before available history must be adjusted.
What assumptions are included in the calculation?
Fractional shares are allowed, and contributions on non-trading days roll to the next available close. Dividend reinvestment is simulated at the ex-dividend date close; brokers may reinvest on the payment date. Taxes, trading fees and slippage are excluded.