The fee comes out of the budget
An all-in order budget is $100. The fixed fee is $1 plus 0.50% of that budget. Percentage fees round to the nearest cent, with half cents rounded up. What is the fee and what remains for the purchase?
Answer: $1.50 / $98.50
Both fee components come out of the same $100 budget.
$100 × 0.50% = $0.50; fee = $1 + $0.50 = $1.50; purchase = $100 − $1.50 = $98.50.
Method: dca-fee-budget-cents-1. Calculation method
Illustrative example, not market data, an intermediary tariff or an investment recommendation.
" "dca_finance dca_practice dca_practice_en" "dca-finance-practice-1-en-fee-cap" "Find the first budget within a fee limit
The fee is $1 plus 0.50% of the all-in budget, rounded to cents half-up. Your fee limit is 1% of the whole budget. Search from $1 to $10,000 in cents. What is the first qualifying amount?
Answer: $200.00
The exact-cent solver checks the global first qualifying budget; the $2 fee is exactly 1% of $200.
$200 × 0.50% = $1; total fee $2; $2 / $200 = 1%; net purchase $198. This is your model threshold, not a broker minimum or a recommendation.
Method: dca-fee-budget-cents-1. Calculation method
Illustrative example, not market data, an intermediary tariff or an investment recommendation.
" "dca_finance dca_practice dca_practice_en" "dca-finance-practice-1-en-partial-plan" "A plan is separate from a cash entry
Opening cash is $500. A new recurring plan calls for a $100 investment. You record a $40 investment linked to this occurrence and a separate $10 expense. What is current cash and the remaining planned investment?
Answer: $450.00 / $60.00
Only recorded cash changes the current balance. Only the linked $40 reduces this occurrence.
Current cash = $500 − $40 − $10 = $450. Planned remainder = $100 − $40 = $60. Here a partial payment is linked to one recurring occurrence; an unrelated expense does not settle it.
Method: cashflow-rules-monthly-2. Calculation method
Illustrative example, not market data, an intermediary tariff or an investment recommendation.
" "dca_finance dca_practice dca_practice_en" "dca-finance-practice-1-en-average-cost" "Average cost is weighted by units
Two illustrative purchases, without fees: $100 buys 1 unit, then $100 buys 2 units. What is the average cost per unit, displayed to cents? These are invented teaching prices, not market data.
Answer: $66.67
Total cost is $200 for 3 units. Keep the exact pool; round only the displayed average.
$200 / 3 = $66.666… per unit; displayed $66.67. This is cost basis, not a market price or profit.
Method: weighted-average-cost-ledger-1. Calculation method
Illustrative example, not market data, an intermediary tariff or an investment recommendation.
" "dca_finance dca_practice dca_practice_en" "dca-finance-practice-1-en-included-fee" "Do not add an included fee twice
A portfolio buy records a total cash outflow of $101, including a $1 fee, and receives 10 units. What is the average cost per unit?
Answer: $10.10
The $101 total already includes the fee. Divide it by 10 units.
Recorded cost $101 / 10 = $10.10 per unit. The cash outflow is $101, not $102.
Method: weighted-average-cost-ledger-1. Calculation method
Illustrative example, not market data, an intermediary tariff or an investment recommendation.
" "dca_finance dca_practice dca_practice_en" "dca-finance-practice-1-en-partial-sale" "Allocate cost on a partial sale
You hold 3 units with total cost $200. Sell 1 unit for $90 gross, with a $1 selling fee. Under weighted-average accounting, what is realized profit and the remaining cost basis, displayed to cents?
Answer: $22.33 / $133.33
Allocate the exact $200 / 3 cost, then round the displayed results.
Net proceeds $89; allocated cost $200 / 3; realized profit $22.33; remaining basis $133.33 for 2 units. Display rounding does not change the exact pool. This is not FIFO or a tax calculation.
Method: weighted-average-cost-ledger-1. Calculation method
Illustrative example, not market data, an intermediary tariff or an investment recommendation.
" "dca_finance dca_practice dca_practice_en" "dca-finance-practice-1-en-future-fact" "A future-dated record is not current cash
As of 10 November 2026, cash starts at $500 and a $100 investment is due today. A preserved record dated 11 November contains a linked $40 investment. What is current cash, then forecast cash after 11 November? This can occur in an imported record or across time zones.
Answer: $500.00 / $400.00
The modeled $60 remainder occurs today and the fixed recorded $40 tomorrow, each exactly once.
Current $500; 10 November: $500 − $60 = $440; 11 November: $440 − $40 = $400. Future recorded cash stays fixed; it is not labeled paid today.
Method: cashflow-rules-monthly-2. Calculation method
Illustrative example, not market data, an intermediary tariff or an investment recommendation.
" "dca_finance dca_practice dca_practice_en" "dca-finance-practice-1-en-rounding-step" "A larger order can miss the fee cap
The fee is $0.01 plus 0.70% of the all-in budget, rounded to cents half-up. Your cap is 1%. Which of $2.00 and $2.15 passes?
Answer: Only $2.00 passes
The two-cent total fee is exactly 1% of $2; the three-cent fee is above 1% of $2.15.
$2 × 0.70% = $0.014 → $0.01; total $0.02 (1%). $2.15 × 0.70% = $0.01505 → $0.02; total $0.03 (about 1.395%). This is why the exact search cannot assume every larger order passes.
Method: dca-fee-budget-cents-1. Calculation method
Illustrative example, not market data, an intermediary tariff or an investment recommendation.
" "dca_finance dca_practice dca_practice_en"