# DCA Finance

> Free DCA contribution planning dashboard, investment calculators and historical crypto backtests in English and Russian. Public tools work without registration.

Canonical website: https://dca-finance.com. English pages have no language prefix; Russian pages use /ru. A free account is optional for saving a budget across devices. Without signing in, budget data stays in the browser and can be exported as JSON.

The dashboard records actual income, expenses and investment contributions. The original monthly model and the optional multiple-payment budget are distinct methods. Both combine same-day movements and clamp days 29–31 to the end of short months. They do not assume investment returns, taxes, inflation or intraday payment order. USD, EUR, RUB and GBP are accounting units, without automatic conversion.

Shared scenarios include financial parameters but exclude the transaction ledger and notes. Anyone holding a scenario link can read its parameters. User-entered figures are hypothetical inputs, not public market data. Historical backtests depend on available provider data; missing history is not replaced with invented prices. A built-in AI advisor is not currently available.

## Main dashboard

The multiple-payment budget uses cashflow-rules-monthly-2. It is for several income sources, bills and investment contributions with separate monthly dates. In the original dashboard, open “Multiple recurring payments”, then “Open migration preview”; save unfinished forms and check the account before confirming. Recorded facts and the old local copy are preserved. A linked payment of 40 against a target of 100 leaves 60; unrelated transactions do not automatically fulfill a plan. Legacy completion marks retain whole-kind, whole-month settlement. Stress transforms the full target before subtracting linked cash: 100 with a 100% expense increase and 40 already paid leaves 160, not 120. Recorded and known future amounts remain fixed. Future records enter the projection on their dates, not current cash. Overdue plans have a separate 12-month lookback and are informational, not retroactive cash deductions. The projection covers 12 months without asset returns.

Private v2 sharing is explicit text export (private-recurring-cash-context-1), not a public result URL or MCP connection. All choices start off. The user reviews the complete text before copying; cash with recorded monthly totals, rule information, labels, dates and whole-budget scenario totals are separate choices. Forecast requires cash disclosure and always includes all rules, facts and exclusions, regardless of selected rule descriptions. History, notes, internal IDs, account fields and migration provenance are excluded. Missing dates do not make aggregates anonymous or sufficient for a full audit. Five provider buttons open blank chats; Codex supports explicit copy. No financial prompt is inserted into those URLs.

The optional remaining-payment ICS export uses cashflow-rules-monthly-calendar-1. It includes base-plan dates over the next 12 months, excludes settled/skipped occurrences, and accounts for partial payments. Default events use generic titles without amounts, notes or account fields; personal labels are opt-in. It is a one-time file, not a synchronized subscription. Calendar applications control alerts and repeat-import behavior. Public v1 scenario links and public MCP calculate_cashflow remain cashflow-monthly-1: they do not expose or silently convert a private v2 workspace. Public MCP cannot read private account budgets or portfolios.

- [Multiple payments: method and limits](https://dca-finance.com/methodology#recurring-budget): cashflow-rules-monthly-2, partial amounts, cash-only assumptions. Stress formula: #recurring-budget-stress; explicit private text: #recurring-private-ai; one-time ICS: #recurring-budget-calendar.
- [Несколько платежей: методика и ограничения](https://dca-finance.com/ru/methodology#recurring-budget): Отдельные месячные поступления, счета и взносы. При плане 100 и связанной оплате 40 остаётся 60; при росте цели на 100% остаётся 160. Будущие факты не считаются доступными сейчас деньгами, просроченные планы не списываются задним числом. Личный AI-контекст проверяется до копирования; ICS не обновляется автоматически. Публичный MCP не читает личный бюджет v2, публичные сценарии сохраняют прежний метод.

The portfolio exposes a per-order weighted-average cost audit (weighted-average-cost-ledger-1), including allocated sale costs, realized profit and a full selected-asset CSV. Its hypothetical full-exit scenarios (portfolio-full-exit-scenarios-1) include modeled sale fees and previous net sale proceeds; they are not forecasts or historical drawdowns. A contribution-recovery price differs from remaining average cost basis. The purchase calendar can download the next 12 calendar months of planned all-day dates as ICS (upcoming-dca-plan-calendar-1), without amounts, notes or account data. Calendar files are snapshots, not synchronized feeds. These private user-input calculations are not published research or accessible through public MCP.

The optional selected-asset-private-summary-1 report lets a user review selected portfolio aggregates before explicitly copying them to an external AI chat. Notes, order IDs, transaction history and account access are excluded. Activity dates and recurring-plan details are opt-in. Provider buttons open blank chats without financial data in URLs. This is user-controlled text export, not a built-in AI advisor or private MCP connection. Kraken USD spot imports preserve execution IDs; identical-value fills with different IDs stay separate, exact reimports are skipped and conflicting records stop import. Native portfolio CSV adds order_id for every row when it contains Kraken identities or distinct records with identical financial fields; the importer preserves those IDs rather than merging distinct records by amount.

Homepage entry at / follows an explicitly saved EN/RU choice, then the browser Accept-Language preference. It does not use IP country. Direct localized and deeper page URLs retain their language; both language versions remain linked for discovery.

- [DCA budget planner](https://dca-finance.com/dashboard): Main workspace. Track actual income, expenses and investment contributions; plan monthly cash flow, reserve and payment dates. Includes a payment calendar, before/after trials, stress conditions, JSON backup and optional free budget account sync. Its DCA portfolio tracks confirmed USD buys/sells, fees, units, average cost and valuation at a dated quote. Signed-in portfolios sync privately through a separate versioned account copy. Guest portfolios stay separate and are imported only after explicit review. Conflicting device versions require a choice; orders are not automatically merged. The purchase calendar separates scheduled dates from confirmed orders. Table CSV import requires explicit column mapping, fee rules and USD amounts; USDT, USDC and crypto-denominated fees are not silently converted. It does not choose assets or execute trades.
- [Дашборд DCA-взносов и бюджета](https://dca-finance.com/ru/dashboard): Учёт фактических операций, резерв и календарь. Новый режим поддерживает отдельные регулярные платежи и частичные оплаты. Публичные ссылки, CSV/PNG сценариев и сравнение изменений относятся к прежнему месячному режиму. Для нового личного бюджета доступны JSON-копия, журнал CSV, проверяемый текст для своего AI-чата и разовый ICS календаря.

The portfolio calculates money-weighted annualized return (XIRR), method dated-cashflows-365-1, from confirmed orders and remaining units valued on the quote date. Buy fees are included in contributions; sale fees reduce proceeds. It nets same-day flows and uses actual days divided by 365. Only conventional negative-to-positive cash-flow patterns are supported; patterns that may have multiple roots return an explanation instead of an arbitrary rate. Short-period annualization is explicitly labelled. Fully closed positions use sale proceeds without needing a current quote. Signed cash-flow CSV can be exported locally for independent checking. This private portfolio calculation is not exposed through public MCP or scenario links, and is not a forecast or a time-weighted return.

- [Portfolio accounting and worked example](https://dca-finance.com/methodology#portfolio-accounting): Weighted-average cost pools, buy/sell fee conventions, partial sales, eight-decimal units and same-day buy-before-sell ordering. The worked example at #portfolio-example is illustrative, not market data. XIRR rules are documented at #portfolio-xirr. These public explanations do not expose account records.
- [Buy-only contribution allocation](https://dca-finance.com/methodology#portfolio-contribution): buy-only-user-targets-zero-fee-1 distributes a contribution in exact cents toward user-selected weights, minimizing squared USD deviations without selling. No recommended allocation, fees, taxes, spreads or trading lots. The numerical example is illustrative. Portfolio valuation requires complete quotes no older than 30 minutes; provider and retrieval timestamps remain distinct (#portfolio-quotes).
- [Saved DCA result cards](https://dca-finance.com/developers): Embed a verified saved-result ID using /embed/dca-backtest?view=card&result=ID&lang=en (or lang=ru). The SSR card replays stored prices without fetching new quotes, identifies calculation and price timestamps separately, and links to the localized full result, data manifest and methodology#saved-result-embed. Figures exclude fees, taxes and slippage. The ID binds normalized parameters and prices; it does not certify provider accuracy or every metadata field. The embed is noindex; cite the full saved result or methodology instead.
- [Карточка сохранённого DCA-результата](https://dca-finance.com/ru/developers): Фиксированные цифры в HTML без JavaScript, с источником, паспортом и методикой. Язык lang=ru. Карточка не получает личный портфель и не запрашивает новые цены; при пропусках показывает дату использованной цены отдельно от границы расчёта. Ссылаться следует на полный сохранённый результат или публичную методику.
- [Распределение нового взноса](https://dca-finance.com/ru/methodology#portfolio-contribution): Цели задаёт пользователь; покупки в центах приближают портфель к этим целям без продаж. Метод и условный числовой пример доступны публично. Комиссии, налоги, спред и торговые лоты не включены. Общая оценка недоступна без свежих котировок всех открытых позиций (#portfolio-quotes).
- [Учёт портфеля, пример и XIRR](https://dca-finance.com/ru/methodology#portfolio-accounting): Русская методика средней себестоимости, комиссий и частичной продажи. Проверяемый числовой пример: #portfolio-example; доходность по датам взносов: #portfolio-xirr. Личный портфель не становится публичным.

## DCA tools

The exact-cent fee threshold and schedule-cost widgets can export dca-fee-assistant-1 text after full preview and explicit confirmation. Context is recomputed from current whitelisted inputs. Outside-budget thresholds are not available orders; unavailable schedule totals remain null. It includes method versions and fixed localized source URLs, not price history, account data or the full date table. All five provider links in this mode open blank chats without calculation parameters; Codex copies text without claiming private MCP execution. The links do not restore the input values or expose the current screen. Public MCP get_methodology lists public PDF, Anki and XLSX landing pages and manifests; this is a catalog of download links, not private file access or another calculation command.

- [Free DCA fee spreadsheet](https://dca-finance.com/templates/dca-fee-spreadsheet): Editable v1 XLSX, English and Russian, with two sheets and four inputs. It implements dca-schedule-fees-cents-1 with live scalar formulas, integer cents, standard percentage input, dated allocations and all-or-nothing schedule totals. No asset prices, personal records, macros or quote connections. A spreadsheet calculation engine ran 72 scenario checks and 18,066 row comparisons, including export/reimport; the manifest states the actual scope and does not claim native Excel or LibreOffice testing. Downloads and file hashes: /templates/dca-fee-schedule-v1.manifest.json. The workbook is a cost model, not a portfolio tracker, dashboard backup or import.
- [Таблица комиссий DCA для Excel](https://dca-finance.com/ru/templates/dca-fee-spreadsheet): Бесплатный XLSX: один бюджет на 12 месяцев, ежедневные/недельные/месячные даты, комиссии и остаток на покупки. Два листа, четыре поля и открытые формулы. Процент вводится со знаком %, например 0,10%. Для денежного остатка и фактических операций используется дашборд; файл не меняет его данные.

- [Compare DCA schedule costs](https://dca-finance.com/calculators/dca-backtest#dca-schedule-fees): dca-schedule-fees-cents-1 divides the same user-entered all-in USD budget across twelve calendar months, with exact cents and earliest-date remainders. Daily365/366, start-anchored seven-day53, monthly12 with original-day clamping; start included, anniversary excluded, Feb29 anniversary clamped. Uses dca-fee-budget-cents-1. Totals are withheld if any allocation is zero or has no positive net. JSON and CSV include all modeled dates, inputs, cents and statuses. No prices, return ranking, cash-availability or exchange-execution check; does not change the backtest, budget or portfolio. Example and method: /methodology#dca-schedule-fees.
- [Сравнение затрат при разной частоте DCA](https://dca-finance.com/ru/calculators/dca-backtest#dca-schedule-fees): Одинаковый бюджет на 12 календарных месяцев; реальные даты, комиссии каждого заказа и точные центы. Ежедневно, каждые 7 дней от начала или ежемесячно. Все даты доступны в CSV/JSON. Это модель затрат, а не выбор лучшей будущей доходности. Русская методика: /ru/methodology#dca-schedule-fees.

- [Exact-cent fee reference cases](https://dca-finance.com/api/examples/dca-fee-budget-cents-1.json): dca-fee-budget-examples-1, method dca-fee-budget-cents-1. Eight inverse-search and two single-order cases, with explicit synthetic inputs in integer USD cents and basis points. Covers the worksheet example, rounded fee steps, zero fees, a cap equal to or below the percentage, no solution and a threshold above the chosen budget. The server checks expected semantic outputs against the method and a pinned edition SHA-256 before serving. The hash covers JSON.stringify of the response without editionSha256, preserving key order. These are reproducibility examples, not observed broker fees, market prices or an external audit. Cite the localized methodology#dca-fee-budget for the human explanation.

- [Free printable DCA plan worksheet](https://dca-finance.com/templates/dca-plan): Version 1, two-page PDF with a blank recurring-purchase plan, separate planned and actual entries, and a worked fee example. Free without registration. It is filled by hand, not an interactive form, account backup or PDF import. The illustrative 250 USD order includes a 1.25 USD fee and leaves 248.75 USD for the purchase under dca-fee-budget-cents-1. Download hashes and format facts are available at /templates/dca-plan-v1.manifest.json. Cite the localized HTML page, which explains the assumptions and links to the dashboard and fee tool.
- [Печатный шаблон DCA-плана](https://dca-finance.com/ru/templates/dca-plan): Русская версия бесплатного двухстраничного PDF: свой план регулярных покупок, отдельные план и факт, пример расчёта комиссии. Для печати и ручного заполнения. Данные в дашборд переносятся вручную; файл не создаёт операции и не синхронизируется с аккаунтом.

The worksheet pages also provide optional dca-practice-basics-1 practice at #dca-practice: five core and three extra illustrative questions. Existing fee, cash-flow and weighted-average cost methods produce the numeric evidence. Each checked answer explains the calculation and links to its localized method. Retry incorrect answers immediately or restart; first-answer scores remain separate. Answers stay in page memory by default. Optional browser-local saving requires explicit opt-in and explicit resume; it does not sync with an account. The dca-practice-review-days-1 schedule uses 1/3/7-day UTC dates, records review only after explanation and Next, and does not advance or postpone a due date for early correct practice. First answers remain separate from corrected answers. There are no financial records, quotes or external model in this practice. This is not a new public MCP tool or an investment-readiness assessment.

The same eight checked examples can be downloaded as ready-made Anki APKG decks or manual-import TSV from #anki-cards on each worksheet page. Each answer includes its method and localized source links. /templates/dca-practice-v1.manifest.json pins the public content, asset hashes, eight-card counts and actual verification scope. Official Anki26.09.4 backend checks covered initial/repeat EN/RU import and a local correction preserving card identity and staged learning state. Source packages contain eight new cards each, no review history, media, account data or fetched fonts/scripts. APKG supplies the note type; TSV needs ID/Front/Back setup and field mapping. Keep one format for updates: switching APKG and TSV is not promised to merge notes. Anki controls scheduling; the website does not sync with a collection. Cite the localized worksheet HTML or methodology, not internal note identities.

- [Bitcoin DCA versus lump sum across 32 start dates](https://dca-finance.com/research/bitcoin-dca-start-dates-2026-11-04): Every complete overlapping 30-UTC-day window in the same verified 61-day hourly BTC snapshot. Each window compares 30 daily USD 10 buys with USD 300 available upfront. DCA finishes higher in 15 windows and lump sum in 17; these dependent-window counts are not future probabilities. No fees, taxes or cash interest. All 32 aggregate rows, source and edition hashes, chart, CSV/JSON and citation are public; this is not a multi-year study.
- [Все 32 даты начала: DCA или разовая покупка Bitcoin](https://dca-finance.com/ru/research/bitcoin-dca-start-dates-2026-11-04): Русская версия проверяемого отчёта с полными результатами, ограничениями, методикой и ссылкой на дашборд.
- [Start-date study manifest](https://dca-finance.com/api/research/bitcoin-dca-start-dates-2026-11-04.json): dca-overlapping-30-day-windows-1. Aggregate results only, no new raw-price redistribution. The source series and report edition are pinned independently; unavailable or changed sources fail closed. Public MCP get_dca_research accepts report=start-dates or fees, with en/ru locale; it never reads private accounts or usage counts.

- [Bitcoin DCA fees: fixed-period case study](https://dca-finance.com/research/bitcoin-dca-fees-2026-11-04): A dated 61-day comparison of four purchase schedules and one upfront purchase with the same $610 budget, using one verified CoinGecko BTC snapshot. Shows no-fee and illustrative 0.5% plus $1 per-buy cases. It is not a long-term performance study or a forecast. All results and assumptions are server-rendered, with aggregate CSV/JSON exports and a ready-to-use citation.
- [Комиссии и частота DCA Bitcoin](https://dca-finance.com/ru/research/bitcoin-dca-fees-2026-11-04): Русская версия фиксированного отчёта: одинаковый бюджет, комиссии, ограничения, источник, три отпечатка для проверки и ссылки на дашборд.
- [Fee study manifest and aggregate results](https://dca-finance.com/api/research/bitcoin-dca-fees-2026-11-04.json): dca-fees-equal-budget-1. USD, budget available at the start, fees deducted from allocations, no selling fees. reportSha256 fingerprints the manifest before adding the reportSha256 field itself. A changed computation fails the pinned edition check instead of silently replacing published figures. This endpoint does not include the raw price series or private data.

- [DCA calculator](https://dca-finance.com/calculators/dca): Monthly contribution projection using a user-entered annual return; this is not a historical price backtest.
- [DCA-калькулятор](https://dca-finance.com/ru/calculators/dca): Прогноз регулярных месячных взносов при заданной пользователем доходности.
- [Historical crypto DCA backtest](https://dca-finance.com/calculators/dca-backtest): Bitcoin, Ethereum, Solana, Litecoin and Dogecoin, using available CoinGecko prices in USD. Compare recurring purchases plus unspent cash with a lump sum of the same total budget, available at the start. Download the purchase CSV, full source JSON and PNG card from one fixed calculation. Public links use ?result=ID and replay saved prices rather than refetching a new series. Creation checks the series against the provider; changed prices require recalculation. Method version: dca-backtest-1. Fees, taxes and slippage are excluded.
- [DCA-бэктест Bitcoin и криптовалют](https://dca-finance.com/ru/calculators/dca-backtest): Исторические регулярные покупки и сравнение с разовым вложением при одинаковом бюджете.

The historical DCA result also offers a collapsed start-date comparison: original, 7 days later and 30 days later, using the same price series, frequency, end date and total budget. Later windows have fewer, larger purchases; windows with fewer than two purchases are omitted. Returns are relative to total contributions over each period, not annualized. This does not identify an optimal future buying date or change the original saved result.

## Cash flow scenarios

- [Budget stress test](https://dca-finance.com/plan): Public cash flow scenarios with shareable links; no account required.
- [Стресс-тест бюджета](https://dca-finance.com/ru/plan): Проверка задержки дохода и роста расходов со ссылкой на сценарий.

## Calculators

- [Calculator directory](https://dca-finance.com/calculators): Discover the available crypto and investment calculators.
- [Каталог калькуляторов](https://dca-finance.com/ru/calculators): Русская версия каталога.
- [Staking](https://dca-finance.com/calculators/staking): Constant APR, compounding and rewards; no live protocol rates. [RU](https://dca-finance.com/ru/calculators/staking).
- [Inflation](https://dca-finance.com/calculators/inflation): Purchasing power and future equivalent under an entered constant inflation rate. [RU](https://dca-finance.com/ru/calculators/inflation).
- [Impermanent loss](https://dca-finance.com/calculators/impermanent-loss): Full-range 50/50 constant-product pool versus holding, without fees or incentives. [RU](https://dca-finance.com/ru/calculators/impermanent-loss).
- [Liquidation](https://dca-finance.com/calculators/liquidation): Simplified isolated linear long/short model, not an exchange-specific trigger. [RU](https://dca-finance.com/ru/calculators/liquidation).
- [Mining](https://dca-finance.com/calculators/mining): Input revenue minus electricity and pool fees; no live device profitability feed. [RU](https://dca-finance.com/ru/calculators/mining).
- [Tax arithmetic](https://dca-finance.com/calculators/tax): Gain and tax from user-supplied rates/costs; no jurisdiction-specific tax advice or filing. [RU](https://dca-finance.com/ru/calculators/tax).
- [Savings goal](https://dca-finance.com/calculators/millionaire): Time to target starting from zero with monthly contributions and an assumed return. [RU](https://dca-finance.com/ru/calculators/millionaire).
- [Break-even](https://dca-finance.com/calculators/break-even): Sale price covering purchase and percentage trading fees. [RU](https://dca-finance.com/ru/calculators/break-even).
- [Bitcoin halving](https://dca-finance.com/calculators/halving): Blocks and approximate time using an entered height and interval, not a live countdown. [RU](https://dca-finance.com/ru/calculators/halving).
- [Investing versus deposit](https://dca-finance.com/calculators/dca-vs-bank): Two constant-rate scenarios with identical contributions; risk and guarantees are not equivalent. [RU](https://dca-finance.com/ru/calculators/dca-vs-bank).
- [One-time crypto history](https://dca-finance.com/calculators/fomo): Hypothetical past one-time purchase, compared with unchanged starting cash. [RU](https://dca-finance.com/ru/calculators/fomo).
- [Monthly budget](https://dca-finance.com/calculators/budget): Income minus living expenses and investment contributions; use the dashboard for payment dates. [RU](https://dca-finance.com/ru/calculators/budget).

## Methodology and editorial content

- [Methodology](https://dca-finance.com/methodology): Calculation rules, cash flow assumptions, data sources and limitations.
- [Методика](https://dca-finance.com/ru/methodology): Правила расчёта и ограничения моделей.
- [Editorial policy](https://dca-finance.com/editorial-policy): Editorial standards, sourcing and disclosures.
- [Author](https://dca-finance.com/author): Project and author background.
- [Blog](https://dca-finance.com/blog): Published educational articles.
- [Блог](https://dca-finance.com/ru/blog): Публикации на русском языке.
- [Glossary](https://dca-finance.com/glossary): Financial and investment terminology.
- [Словарь](https://dca-finance.com/ru/glossary): Финансовые термины на русском языке.

## Site information

Saved DCA results have a data manifest at /api/dca-results/RESULT_ID/manifest.json. It reports requested and observed timestamps, missing UTC observation dates, observed intervals, age of prices carried forward for purchases, and a SHA-256 fingerprint of the normalized series. This is a data-coverage report, not an independent certification of market prices. Saved results remain unchanged. The backtest shows source and coverage details; AI context includes the key coverage limitations.

- [Connect an assistant with MCP](https://dca-finance.com/developers#connect-ai): Public read-only Streamable HTTP endpoint at /mcp, protocol 2025-11-25. Tools: get_methodology, calculate_cashflow, project_monthly_dca, get_dca_research, get_saved_dca_result, calculate_dca_fee_budget, compare_dca_schedule_fees. No account access, trading, write operations or model API key. A saved-result ID must be provided by the user. get_saved_dca_result accepts locale=en or ru (default en) and returns localized source and methodology links, a compact embed URL and a citation identifying the calculation boundary and price observation time. It reads the saved result without fetching new market prices. Input cap 16 KB, purchase pages up to 100 rows. Native request limiting is approximate: 300 POSTs per 60 seconds per hashed network key and Cloudflare location; shared networks can share the allowance. It is not a strict global or per-person quota. Private account integrations are not implemented.

The dashboard has a server-rendered EN/RU guide explaining purpose, audience, setup, multiple payments, partial-payment arithmetic, stress targets, calendar interpretation, reserves, storage and limits. The original scenario-sharing flow and Codex MCP setup remain available for the original public method. The private v2 text flow requires preview and review, uses empty provider links and offers explicit copy for Codex. Neither flow grants live screen or account access. The developers page includes client-specific setup tabs for Codex, Claude Code, Gemini CLI, ChatGPT, Grok and generic MCP clients; availability depends on the client and account.

- [Frequently asked questions](https://dca-finance.com/faq): Free access, saving, supported languages and accounting currencies.
- [Privacy](https://dca-finance.com/privacy): Information about data handling.
- [Sitemap](https://dca-finance.com/sitemap.xml): Current public URLs, including published editorial content.

## Exact-cent fee-budget utility

The DCA backtest page also offers a separate price-independent utility, dca-fee-budget-cents-1, at /calculators/dca-backtest and /ru/calculators/dca-backtest. It finds the first whole-cent all-in order budget meeting user-entered fixed/percentage fees, a fee-share cap and budget bounds. Percentage fees round half up to cents. A positive amount must remain after fees; rounding makes feasibility nonmonotonic. An out-of-budget mathematical threshold is not an actionable order or an investment recommendation. No exchange tariff, network fee, spread, asset price or return is fetched or assumed. This utility does not change historical fee methods, saved results, budgets or portfolios and is also available through the public MCP calculate_dca_fee_budget tool. Method and worked example: /methodology#dca-fee-budget and /ru/methodology#dca-fee-budget.

Public MCP fee calculations use the same exact-cent engines as the website and reviewed dca-fee-assistant-1 contexts. calculate_dca_fee_budget accepts fixedFeeCents, percentageFeeBps, capFeeShareBps, optional minOrderCents/maxOrderCents and locale=en|ru. compare_dca_schedule_fees accepts annualBudgetCents, fixedFeeCents, percentageFeeBps, startDateISO and optional locale. Money is integer USD cents (100 = $1); rates are integer basis points (10 = 0.10%). Results include normalized inputs, method version, localized source/method URLs and explicit assumptions. The annual response contains three summaries, not the full date table; unavailable totals remain null. Extra keys and invalid units/dates are rejected. No exchange fees, prices, account data or transactions are fetched, saved or executed. Public links do not restore the supplied input values.

## Cards from a local source

- [PDF to Anki source cards](https://dca-finance.com/tools/pdf-to-anki): Browser-only source-study-cards-1. Open a text-based PDF, UTF-8 TXT or Markdown, select an exact excerpt from a physical PDF page, manually write a question and answer, then export three-field Anki TSV (Front, Back, Source). Exact excerpt matching is checked; answer meaning is not automatically verified. No question generation, OCR, password-protected PDF support or model call. Limits: 10 MiB, 100 PDF pages, 500,000 source characters and 100 cards. Parser/worker assets are downloaded from this site on first PDF use; file contents stay in browser memory and are not uploaded or saved to an account/browser storage. Personal filenames/text/cards never become public pages or MCP data. Anki text import requires the documented note type and mapping; first-field matching is not a GUID or scheduling guarantee.
- [Карточки из PDF или текста](https://dca-finance.com/ru/tools/pdf-to-anki): Выберите цитату, составьте вопрос и ответ и скачайте TSV с источником и страницей PDF. Ручная подготовка, локальная обработка, без регистрации. Это отдельный инструмент: восемь готовых проверенных финансовых задач и APKG находятся на странице DCA-плана.

Public MCP get_methodology documents both browser learning utilities and their limits under publicLearning. It cannot receive or read a visitor document, access saved local progress, generate questions or import cards to Anki. The public tool count remains seven.

The source-card utility also exports source-study-project-1 JSON for continued local editing. It contains the entire extracted source, including pages without selected cards, and 1-100 saved cards with local IDs; the original PDF binary, unsaved draft, account information and learning history are excluded. JSON import is bounded to 10 MiB, validates the exact edition/source/excerpts/cards, and always shows a replacement preview before applying it. It is a user-managed file transfer, not automatic account sync or a public result URL.