ETF Portfolio Simulator: DCA, IRR and Drawdown
Simulate your DCA plan over up to 30 years on more than 10,000 ETFs and 80,000 stocks worldwide. Build a diversified portfolio, choose how much to invest and how often, and see how it would have done on real historical prices, with IRR computed on your actual contributions and dividends reinvested.
Free up to 5 years, no sign-up. Up to 30 years with a subscription.
What you can do
1
10,000+ ETFs and 80,000 stocks
Every market worldwide on the platform: UCITS and US ETFs, stocks from every exchange.
2
Up to 30 years of DCA
Plans of up to 30 years, with monthly, quarterly, semiannual or annual contributions, or a single upfront amount.
3
Diversified strategies
Portfolios of up to 30 instruments, with the weight you choose for each: equities, bonds, sectors, regions.
4
The numbers that matter
Final value, total return, IRR, volatility, max drawdown and recovery time.
5
Guided mode
Answer a few questions and the portfolio builds itself, ready to edit.
6
AI report
A written analysis of the simulated portfolio: composition, risk, comparison with the S&P 500.
7
Compare and browse
Put several plans side by side over different periods, and pick ETFs from a catalog sorted by region and sector.
8
Saved portfolios
Up to 50 portfolios in your account, ready to reopen whenever you like.
Frequently asked questions
What is a DCA plan and why simulate it? +
A dollar-cost averaging (DCA) plan means investing the same amount at regular intervals, for example every month. You buy more units when prices are low and fewer when they are high, without having to time the market. Simulating it on historical prices shows how much you would have invested, what it would be worth today and how far the account fell in the worst periods, before you commit real money.
What is IRR and why is it the right measure for a DCA plan? +
IRR (internal rate of return) is the annual return that accounts for when each contribution goes in. In a DCA plan the first contributions stay invested for years and the last ones for a few weeks: a simple total return misses that difference. IRR captures it, which is why it is used to compare plans with different lengths and amounts.
Does the simulator include dividends? +
Yes. For ETFs and stocks, dividends are reinvested before taxes. For a distributing ETF the result therefore includes the reinvested payouts; for an accumulating ETF the dividend is already in the price. Indices, commodities, currencies and crypto are computed on price only.
How many years and which markets can I simulate? +
Up to 5 years with the free version, up to 30 years with one of our subscriptions. You can simulate more than 10,000 ETFs and 80,000 stocks worldwide, building portfolios of up to 30 instruments with custom allocation. The available period also depends on the history of the ETFs you pick: an ETF listed five years ago cannot cover a twenty-year period.
Can I simulate a lump sum instead of DCA? +
Yes. You can choose between periodic contributions (monthly, quarterly, semiannual or annual) and a single upfront amount, and compare the two approaches over the same period.
What are max drawdown and recovery time? +
Max drawdown is the largest fall of the account balance from a previous peak. Recovery time is how long it took to get back to that peak. Together they show how hard it would have been to stick with the plan in the worst moments, something the final value alone does not show.
Does the result include taxes and fees? +
No. The result does not deduct taxes, trading commissions or ETF running costs (TER). Reinvested dividends are gross. It is a comparison on market prices, to be completed with your broker's costs and your own tax situation.
What is the difference between the free and the paid version? +
The free version can simulate a DCA plan of up to 5 years, on one market at a time. With the paid version you can:
-
simulate up to 30 years (on ETFs and stocks with at least 30 years of history)
-
create and save multiple portfolios
-
simulate DCA plans on composite, diversified portfolios, setting the allocation percentage of each instrument in the portfolio
-
get the final report from our AI and compare your portfolio with the S&P 500 benchmark (SPY)
Disclaimer: StockStatistics.ai is an analysis tool based on historical data. Past results do not indicate future results, and nothing on this page is investment advice.