Stock DCA simulator
Simulate monthly DCA into US ETFs like SCHD, VOO, or QQQ. Toggle dividend reinvestment and see long-term results. US 15% withholding tax included.
Inputs
Annual value (USD)
How it works
- Monthly buy: USD amount divided by current price each month, fractional shares included.
- Price growth: Annual growth rate divided by 12, applied as monthly compounding.
- Dividend + withholding: Shares × price × (yield / 12) each month, less 15% US withholding.
- Reinvest ON: After-tax dividends buy more shares. OFF: Dividends accumulate as cash for comparison.
FAQ
What exactly is DCA?
Dollar-Cost Averaging — investing a fixed amount on a regular schedule to average out the purchase price. Instead of timing the market, you spread purchases over time to reduce volatility risk.
Is the dividend yield based on real data?
Yes — dividend yield comes from Yahoo Finance's trailing 12-month actual distributions, refreshed every 5 minutes. Preset buttons with ⚡ show live data. However, price growth rates are long-term historical averages (SCHD 7%, VOO 9%, QQQ 12%) and do not guarantee future performance.
How big is the reinvestment effect?
For high-yield ETFs like SCHD, reinvestment can account for 30–40% of the final portfolio value over 25–30 years. The gap between the solid 'Value' line and the dashed 'No reinvest' line on the chart shows this effect.
How is the 15% US withholding tax applied?
The US IRS automatically withholds 15% from dividend distributions by US ETFs (per the Korea-US tax treaty). This calculator deducts 15% from each month's dividend before reinvesting or accumulating as cash. Korean income tax on dividends and 22% capital gains tax on sale are not included.
What exchange rate is used?
For simplicity, the same exchange rate is assumed throughout the investment period. In reality, FX fluctuations are a significant variable when converting USD results to KRW.
Can I simulate Korean ETFs (e.g. KODEX)?
The presets focus on US ETFs, but you can simulate Korean ETFs by setting FX rate and withholding tax to 0 and entering your own values. Korean ETFs have 15.4% withholding on distributions.
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This calculator is for informational purposes only. Actual US ETF performance, exchange rates, and taxes vary significantly by timing and individual circumstances. Consult a tax advisor or financial professional for important decisions.