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How MicroDCA Works

Backtest, project, and compare dollar-cost averaging strategies across assets, schedules, and reinvestment assumptions— using transparent inputs and exportable results.

Explore the calculators View an example strategy
No accounts No black boxes Exports included

What MicroDCA is

MicroDCA is a modeling and comparison toolkit—designed to help you understand how disciplined investing behaves over time under clearly defined inputs. It is not a brokerage, portfolio tracker, or recommendation engine.

Transparent by design
Calculations are deterministic and derived directly from your inputs. No hidden assumptions, no opaque scoring.

What you can do with it

Backtest strategies

Simulate historical performance with consistent contribution logic and comparable assumptions.

Project outcomes

Estimate balances, contributions, and distributions under your chosen return and yield assumptions.

Compare assets

Evaluate how different assets behave under the same contribution schedule and reinvestment rules.

Model distributions

Include yields, reinvestment rates, and cash-flow extraction to reflect real-world income strategies.

Export results

Download CSVs and charts for spreadsheets, reports, and planning workflows.

Stay flexible

Model daily, weekly, monthly, or custom contribution frequencies—without forcing a single framework.

How it’s different

  • No accounts, logins, or required tracking.
  • No black-box forecasts or “AI guesses.”
  • No product placement or affiliate bias.
  • No broker connections, wallets, or custody.
MicroDCA focuses on structure and math—so you can compare strategies with confidence.

Who it’s for

Investors
  • Long-term allocators testing DCA discipline
  • Income-focused strategies modeling distributions
  • Bitcoin-centric portfolios exploring cadence and sizing
Professionals
  • Financial planners validating assumptions
  • Analysts who need exportable, auditable data
  • Teams standardizing inputs for comparisons

Design philosophy

MicroDCA is built for clarity: transparent assumptions, user-controlled inputs, reproducible outputs, and minimal UI noise.

Transparent assumptions
Inputs and outputs are labeled and inspectable.
Reproducible results
Same inputs produce the same numbers—every time.
Export-first
Charts and CSVs are designed for downstream workflows.

What it’s not

MicroDCA does not provide investment advice and does not guarantee results. Outputs are models based on your inputs and data sources. Always validate assumptions and consider professional guidance for decision-making.

Example strategy walkthrough

A simple way to use MicroDCA is to compare how contribution frequency changes outcomes under identical assumptions.

  1. Pick an asset (or a basket)
    Choose one or more assets and keep allocations consistent across comparisons.
  2. Set your schedule
    Try daily vs. weekly vs. monthly with the same total contribution amount.
  3. Define distributions and reinvestment
    Model yields, reinvestment rates, and any cash you plan to extract.
  4. Run the model and export
    Review charts, validate assumptions, and export CSV/charts for your workflow.

Get started

Choose a tool, set assumptions, and explore how disciplined investing compounds over time.

Backtesting Calculator Projection Calculator