Gold DCA calculator
See what monthly gold buys since any year would be worth today, compared with the S&P 500.
Market data through Sep 2026, updated monthly. How we calculate$100 a month into gold since Jan 2005 is worth
You would have put in $26,100 over 261 monthly buys. At the worst point, around Dec 2013, the balance was down 24% from its high, and the plan kept buying. The same plan in the S&P 500 would be worth $132,594.
If you had invested the whole $26,100 in Jan 2005, it would be worth $265,863. Gold monthly average price in US dollars per ounce. Data through Sep 2026. One buy per month at that month's average price; no fees or taxes. Past returns do not predict future returns.
How this calculator works
The calculator buys gold each month at that month's average price per ounce and values it at the latest price. The navy line shows the same monthly plan in the S&P 500.
Gold does not pay dividends, so its return comes from price alone.
Common questions
Why start in 1972?
Before 1971 the US dollar was convertible to gold at a fixed price, so earlier prices do not reflect a free market.
Is gold a good long-term investment?
It has had long strong and weak periods. Many investors hold a small slice as a diversifier rather than a core holding.
How can I buy gold monthly?
Through gold ETFs, which many brokers allow in recurring buys, or physical bullion dealers.
FatDCA calculators are educational estimates, not investment, tax or legal advice. Results depend on the assumptions you enter, and past returns do not predict future returns.
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