Silver DCA Calculator

What $100 a month actually built

The last 10 years of a $100 monthly plan in Silver, month by month: the flat line is cash paid in ($12,100 total), the accent line is what the position was worth along the way — ending at $31,863. Every point is computed from that day's real close.

Timing luck, quantified

Same plan, different start month. Each bar below is one possible 5-year monthly DCA window in Silver's history, sorted from worst to best — the honest spread between unlucky and lucky timing, and the case for starting on a schedule instead of waiting:

252 possible 5-year start months — 70% ended positive.

Why dollar-cost average into silver?

Silver is gold's higher-voltage sibling: part monetary hedge, part industrial input (solar, electronics), and historically about twice as volatile. It spent nearly a decade underwater after the 1980 and 2011 spikes — the widest timing-luck spread among the metals we track. That spread is precisely the argument for a schedule: monthly buys through the long flat years are what made the eventual repricings count.

The same volatility means silver punishes impatience. A plan you'd abandon after three underwater years performs worse than no plan at all, and futures-based series like ours carry roll effects that spot prices don't. Run the calculator with a horizon you can actually hold — that horizon, not the entry month, is the variable that decides silver outcomes.

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