What this template helps you answer
A fixed fee is charged for each order. Splitting one budget into more purchases repeats that charge more often, while percentage costs also depend on rounding each order. The spreadsheet exposes every date and calculation so you can check the comparison row by row.
This is a recurring-purchase cost template. Returns, asset prices and having enough cash on each date are separate questions. Use the dashboard for cash planning and the historical DCA calculator for past prices.
What is inside the two sheets
- DCA plan: four editable inputs, an input check and three schedule summaries showing date counts, order-budget ranges, fees and net purchases.
- Schedule: transparent formulas for each order. Money is shown in integer cents, with fixed and percentage fees, net amount and row status separated.
There are 431 reserved rows: up to 366 daily dates, 53 seven-day dates and 12 monthly dates. In a 365-day interval, the extra daily row stays blank. The XLSX retains formulas that recalculate when inputs change.
How to use the spreadsheet
- Save your own copy and open the first sheet. In D6 enter the entire 12-month USD budget, including fees; D7 is the fixed fee per order.
- Enter the percentage fee in D8 with its percent sign, such as 0.10%. This is a standard percentage cell: 100% means the fee consumes the entire order.
- Choose the first planned date in D9. Check the input status and three summary rows, then open Schedule to inspect the calculations.
- Save your edited copy locally. Change the four input cells to keep the summary linked to its calendar; the formulas are also available to inspect.
The template contains no macros, quote connections or personal records. The site does not read your edited copy. This XLSX does not import transactions into the dashboard or replace its JSON backup.
A reproducible example with a USD 3000 budget
The first order is on 10 November 2026. Each order has a USD 1 fixed fee plus 0.10% of its entire budget. Fees come out of the budget; the percentage component rounds to the nearest cent, with half cents rounded up.
The differences follow from these fees and allocation rules. They do not determine future returns. If any order has zero budget or its fee consumes the allocation, that schedule’s aggregate totals are unavailable; eligible rows are not passed off as a complete schedule.
Calculation rules and verification
Method dca-schedule-fees-cents-1 includes the start date and excludes its 12-month anniversary. A leap-day anniversary clamps to 28 February. Monthly dates retain the original day, clamped to month end; weekly dates advance seven days from the start. Earliest dates receive the remainder cents.
A spreadsheet calculation engine ran 72 scenario checks and 18,066 row comparisons, including XLSX export/reimport with live formulas. Populated calendar rows were reconciled with the site’s integer engine, covering zero fees, insufficient amounts and leap dates. The asset manifest records the edition, hashes and exact verification scope.
Formula and calendar rules · XLSX manifest and SHA-256