FIRE Cat: DCA Calculator

What does $10 a day become in 20 years? If a crash like 2008 hits right after you start, should you stop? How big a portfolio pays $1,000 a month in dividends, and how long will it take?

FIRE Cat answers with real market history and a clear range — then keeps you company as you get a little closer to your goal every day.

REAL MARKET BACKTESTS
• US large caps with dividends, monthly since 1871 — start from any year
• Daily, weekly or monthly investing
• Annual return, max drawdown, worst year and biggest paper loss in one view
• Plain answers like "In Feb 2009 the market was down 45%. If you kept going, you'd have…"

SMART RANGE FORECASTS
• Low, middle and high projections for daily, weekly or monthly investing
• US large caps use the real spread of past returns over the same number of years
• Assumed returns for US tech, global stocks, high dividend, gold and bitcoin — all editable
• See the formula and a year-by-year table

DIVIDEND PLANNER
• Enter the monthly income you want, the yield and how much you invest a day
• See the portfolio you need and about how long it takes
• Reinvest dividends on or off, with yearly dividend bars

STEADY PROGRESS
• Set your plan once; FIRE Cat adds it up and estimates your balance every day
• Update your real balance whenever you like, by account if you want — no bank or broker login
• Record extra deposits, withdrawals, pauses and changes; compare plan and actual on one chart
• See how long until your goal, and whether you're ahead of plan

LOCK SCREEN WIDGETS
• Lock Screen, small and medium Home Screen widgets
• Time to goal, days invested and today's estimated balance
• Updates every day without opening the app

FREE AND PRO
• Every calculation, backtest, dividend plan, progress view and widget is free — nothing is locked
• The free version shows a banner under results; no video ads
• Pro is a one-time purchase that removes all ads. Not a subscription

PRIVACY
• No account, no bank or broker connection
• Your data stays on your iPhone and can be backed up to your own iCloud

Data: US large-cap history calculated from Robert J. Shiller, Online Data.
All results are hypothetical and for education only. Past performance does not guarantee future results. Fees, taxes and currency exchange are not included. Not investment advice. FIRE Cat is not affiliated with any index provider.