Cost Rolling Calculator
A fixed monthly amount buys more units when the price falls and fewer when it rises. The result is an average cost below the average price — the whole mechanical advantage of investing on a schedule.
Your inputs
- Average price over the period
- ₹98
- Averaging advantage
- ₹1 per unit
- Total invested
- ₹1,20,000
- Units accumulated
- 1,231.411
Period detail
| # | Price | Units bought | Avg cost |
|---|---|---|---|
| 1 | 100 | 100 | 100 |
| 2 | 92 | 108.696 | 95.83 |
| 3 | 105 | 95.238 | 98.71 |
| 4 | 88 | 113.636 | 95.79 |
| 5 | 96 | 104.167 | 95.83 |
| 6 | 110 | 90.909 | 97.94 |
| 7 | 85 | 117.647 | 95.85 |
| 8 | 99 | 101.01 | 96.23 |
| 9 | 108 | 92.593 | 97.41 |
| 10 | 94 | 106.383 | 97.06 |
| 11 | 102 | 98.039 | 97.49 |
| 12 | 97 | 103.093 | 97.45 |
Why the average cost is lower
Your average cost of ₹97 sits below the average price of ₹98 because each instalment bought more units when the price dipped. This gap is mathematically guaranteed whenever prices move at all — it widens with volatility, and it does not depend on the direction of the market.
What it does not do is guarantee a profit. Current value is ₹1,19,447 against ₹1,20,000 invested, an absolute return of -0.46%.
Enter your own fund's period-end NAVs to model an actual holding. The starting values are an illustration of a volatile period, not real market data.
Projections are illustrative and assume a constant rate of return. Actual returns vary and are not guaranteed. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.