OriginavePie calculator
Slice a pie out of the tracked ETFs, set a starting sum and recurring dollar-cost averaging (DCA) buys, and watch what it would have grown into.
Growth of your pie
Portfolio value day by day versus the money you put in, with dividends reinvested. The simulation starts on 2016-01-04, the first day every fund in the pie was trading.
Your allocation
Every dollar — the starting sum and each recurring buy — is split between the funds in these proportions.
- SPY60.0%SPDR S&P 500 ETF Trust
- QQQ40.0%Invesco QQQ Trust
Year by year
Where the pie stood at the end of each year — total money put in, what it was worth, and the gain on top.
| Year | Invested | Balance | Gain | Gain % |
|---|---|---|---|---|
| 2016 | $15,500 | $17,113 | +$1,613 | +10.40% |
| 2017 | $21,500 | $28,292 | +$6,792 | +31.59% |
| 2018 | $27,500 | $33,020 | +$5,520 | +20.07% |
| 2019 | $33,500 | $51,323 | +$17,823 | +53.20% |
| 2020 | $39,500 | $74,813 | +$35,313 | +89.40% |
| 2021 | $45,500 | $102,728 | +$57,228 | +125.78% |
| 2022 | $51,500 | $82,488 | +$30,988 | +60.17% |
| 2023 | $57,500 | $121,048 | +$63,548 | +110.52% |
| 2024 | $63,500 | $158,277 | +$94,777 | +149.26% |
| 2025 | $69,500 | $195,357 | +$125,857 | +181.09% |
| 2026 | $73,000 | $221,360 | +$148,360 | +203.23% |
Pie calculator FAQ
What is dollar-cost averaging (DCA)?
Dollar-cost averaging means investing a fixed amount on a fixed schedule — say $500 every month — no matter what the market is doing. You automatically buy more shares when prices are low and fewer when they are high, which smooths out your entry price over time.
How does this DCA calculator work?
You slice a pie out of real ETFs, set a starting sum and a recurring monthly or weekly buy, and the calculator replays history: every contribution is split between your funds by weight and bought at that day's real, dividend-adjusted price. The chart shows what your portfolio would have been worth versus what you paid in.
Is this like an M1 Finance or Trading 212 pie?
Same idea. Brokers like M1 Finance and Trading 212 let you invest in weighted pies of funds with automatic recurring buys. This calculator lets you backtest a pie before you build it — see how your mix would have behaved through real crashes and rallies.
Are dividends included?
Yes. The simulation uses dividend-adjusted closing prices, which is the same as reinvesting every dividend straight back into the fund. Stock splits are handled the same way, and fractional shares are assumed — just like most brokers' recurring-investment features.