Entered gold contributions · dated schedule evidence · five price scenarios

Gold DCA Calculator

Reconcile up to 24 entered gold contributions into fine troy ounces, metal-only weighted price and all-in average cost. Add optional dates, import or copy a contribution CSV, and stress an entered current price without treating any scenario as a forecast.

Fine troy ouncesUp to 24 rowsExact CSV contractNo live price or forecast

Enter the gold contribution schedule

Keep every cash amount and gold price in one currency. Dates are optional, but enter all dates or none.

Entered

A three-letter label only; no conversion rate is fetched.

This choice changes metal spend and total cash outlay.

Creates five mechanical value scenarios; it is not a live quote.

Import contribution CSV

Header must be exactly date,contribution,price_per_troy_ounce,extra_cost. Dates may be blank only when every row date is blank.

Entered-data boundary: this calculator does not retrieve a gold price, backfill missing dates, verify dealer premiums, calculate tax basis, compare DCA with lump sum, forecast a return or recommend a contribution amount.

Gold accumulation reconciliation

Gold DCA Analysis 2.0.0.

Derived
No gold schedule calculated yetEnter at least one contribution, import CSV, or load the audited three-row example.

How the Gold DCA Calculator works

Metal spend = contribution, or contribution − entered cost
Fine troy ounces = metal spend ÷ entered gold price per fine troy ounce
Metal-only weighted price = total metal spend ÷ total fine troy ounces
All-in average cost = total cash outlay ÷ total fine troy ounces
Entered-current value = total fine troy ounces × entered current price

Equal cash amounts are labelled equal-cash. Different amounts still calculate, but the result is labelled variable-cash rather than silently being presented as standard dollar-cost averaging.

Worked example from the audited fixture

Three dated USD 500 contributions buy gold at entered prices of USD 2,500, USD 2,750 and USD 2,250 per fine troy ounce. Each row adds USD 5 of purchase cost. Total gold is 0.6040404040 oz, total cash outlay is USD 1,515, metal-only weighted price is USD 2,483.28/oz and all-in average cost is USD 2,508.11/oz.

At the entered USD 2,600 current price, holding value is USD 1,570.51 and the difference from outlay is +USD 55.51, or +3.6637%. The two entered gaps are 28 and 31 days; those dates are evidence, not a schedule-quality verdict.

Use and limitations

  • Use fine troy ounces and a per-fine-troy-ounce gold price; do not mix grams, coins, bar count or gross package weight.
  • Enter premiums, commissions, shipping or other acquisition costs once. Do not duplicate a cost already embedded in the entered gold price.
  • The currency field is only a label. Convert mixed-currency records before entering them.
  • Dates are optional schedule evidence. The tool does not infer holidays, settlement dates or missing contributions.
  • No market history, live quote, historical return, storage cost, insurance cost, spread, tax lot or disposal rule is supplied.
  • DCA does not guarantee a lower average cost, profit or protection from loss.

Frequently asked questions

  • Each row divides entered gold spend by its entered per-fine-troy-ounce price. Total metal spend divided by total acquired fine troy ounces gives the weighted metal-only average.
  • It is total entered cash outlay divided by acquired fine troy ounces. Entered premiums or fees add cash without adding gold, so all-in cost can exceed the metal-only weighted price.
  • A simple mean gives every entered price equal weight. The weighted result reflects how many fine troy ounces each cash contribution actually acquired.
  • No. Leave all dates blank for an undated calculation. If you use dates, every row needs one and the rows must be in strictly increasing date order.
  • It accepts four columns with the exact header date, contribution, price_per_troy_ounce, extra_cost. A maximum of 24 data rows is supported.
  • They multiply your entered current price by 75%, 90%, 100%, 110% and 125% and revalue the same ounces. They are mechanical cases, not forecasts.
  • No. Tax treatment can depend on jurisdiction, product, fees, disposal method and recordkeeping. This page only reconciles the entered acquisition arithmetic.
  • No. Results depend on future prices and costs. Repeated purchases do not remove market risk or guarantee that DCA will beat another purchase schedule.

Sources and methodology

Gold DCA Analysis 2.0.0 runs deterministic entered-data arithmetic in the browser. It retrieves no account, dealer or market data.

Precious Metals Average CostReconcile mixed gold and silver purchase quantities separately.Gold Silver Ratio CalculatorCompare entered same-currency prices per troy ounce.Bullion Premium CalculatorSeparate an entered physical-product premium from fine-metal value.

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