{"id":458,"date":"2026-08-06T13:47:55","date_gmt":"2026-08-06T13:47:55","guid":{"rendered":"https:\/\/mycoinpartner.com\/tools\/dca-calculator\/"},"modified":"2026-08-06T13:47:55","modified_gmt":"2026-08-06T13:47:55","slug":"dca-calculator","status":"publish","type":"page","link":"https:\/\/mycoinpartner.com\/pt-br\/tools\/dca-calculator\/","title":{"rendered":"Calculadora de DCA"},"content":{"rendered":"<p>Compare comprar em intervalos regulares com comprometer o mesmo total no primeiro dia, usando pre\u00e7os de fechamento di\u00e1rios hist\u00f3ricos reais.<\/p>\n<div class=\"mcp-tool\" data-mcp-tool=\"dca-calculator\"><div class=\"mcp-tool__in\"><label class=\"mcp-f\"><span class=\"mcp-f__l\">Valor por compra ($)<\/span><input class=\"mcp-f__i\" type=\"number\" step=\"any\" name=\"amount\" data-f=\"amount\" value=\"100\" inputmode=\"decimal\"><\/label><label class=\"mcp-f\"><span class=\"mcp-f__l\">Frequ\u00eancia<\/span><select class=\"mcp-f__i\" name=\"freq\" data-f=\"freq\"><option value=\"7\">Semanal<\/option><option value=\"14\">Quinzenal<\/option><option value=\"30\" selected>Mensal<\/option><\/select><\/label><label class=\"mcp-f\"><span class=\"mcp-f__l\">Janela<\/span><select class=\"mcp-f__i\" name=\"days\" data-f=\"days\"><option value=\"90\">\u00daltimos 90 dias<\/option><option value=\"180\">\u00daltimos 180 dias<\/option><option value=\"365\" selected>\u00daltimos 365 dias<\/option><\/select><\/label><\/div><div class=\"mcp-tool__out\"><div class=\"mcp-o\"><span class=\"mcp-o__l\">Total investido<\/span><span class=\"mcp-o__v\" data-o=\"invested\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Valor atual do DCA<\/span><span class=\"mcp-o__v\" data-o=\"dcaval\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Retorno do DCA<\/span><span class=\"mcp-o__v\" data-o=\"dcaret\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Pre\u00e7o m\u00e9dio<\/span><span class=\"mcp-o__v\" data-o=\"avgcost\"><\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Valor do aporte \u00fanico<\/span><span class=\"mcp-o__v\" data-o=\"lump\"><\/span><span class=\"mcp-o__n\">O mesmo total, tudo no primeiro dia<\/span><\/div><div class=\"mcp-o\"><span class=\"mcp-o__l\">Retorno do aporte \u00fanico<\/span><span class=\"mcp-o__v\" data-o=\"lumpret\"><\/span><\/div><\/div><script type=\"application\/json\" data-mcp-dca>{\"c\":[117472.01,116674.74,116462.25,119294.01,118686,120134.08,123306.43,118295.09,117342.05,117380.66,117405.01,116227.05,112872.94,114271.24,112500,116935.99,115438.05,113493.59,110111.98,111763.22,111262.01,112566.9,108377.4,108816.33,108246.35,109237.42,111240.01,111705.71,110730.87,110659.99,110187.97,111137.34,112065.23,111546.39,113960,115482.69,116029.42,115918.29,115268.01,115349.71,116788.96,116447.59,117073.53,115632.38,115685.63,115232.29,112650.99,111998.8,113307,108994.49,109643.46,109635.85,112163.95,114311.96,114048.93,118594.99,120529.35,122232,122391,123482.31,124658.54,121332.95,123306,121662.4,112774.5,110644.4,114958.8,115166,113028.14,110763.28,108194.28,106431.68,107185.01,108642.78,110532.09,108297.67,107567.44,110078.18,111004.89,111646.27,114559.4,114107.65,112898.45,110021.29,108322.88,109608.01,110098.1,110540.68,106583.04,101497.22,103885.16,101346.04,103339.08,102312.94,104722.96,106011.13,103058.99,101654.37,99692.02,94594,95596.24,94261.44,92215.14,92960.83,91554.96,86637.23,85129.43,84739.74,86830,88300.01,87369.96,90484.02,91333.95,90890.7,90802.44,90360,86286.01,91277.88,93429.95,92078.06,89330.04,89236.79,90395.31,90634.34,92678.8,92015.37,92513.38,90268.42,90240.01,88172.17,86432.08,87863.42,86243.22,85516.41,88136.94,88360.9,88658.86,88620.79,87486,87669.45,87225.27,87369.56,87877.01,87952.71,87237.13,88485.49,87648.22,88839.04,89995.13,90628.01,91529.73,93859.71,93747.97,91364.16,91099.99,90641.28,90504.7,91013.65,91296.2,95414,96951.78,95604.8,95550.94,95147.77,93673.14,92631,88427.66,89454.73,89559.67,89600.26,89225.34,86670.36,88347.08,89250,89299.99,84650.16,84260.49,78741.09,76968.21,78738.61,75770.21,73165.83,62909.86,70580.26,69289.38,70330.38,70138,68841.29,67082.52,66272.17,68853.96,69822.95,68832.58,68892.43,67503.52,66461,67003.73,68020.01,67975.93,67643.4,64656.02,64058.15,67988.04,67485.18,65872.1,66973.26,65776.47,68830.06,68338,72666.77,70890.72,68114.02,67262.91,65971.2,68432.16,69948.63,70191.86,70541.34,70930,71211.95,72815.24,74884.67,73909.36,71246.54,69930,70510.73,68918.12,67859,70906.45,70556.74,71336.53,68820.31,66407.28,66377.03,66010.93,66797.37,68284.48,68113.92,66901.99,66964.3,67300.42,69034.18,68853.66,71924.22,71069.93,71787.97,72962.7,73043.16,70740.98,74417.99,74131.55,74809.99,75154.29,77072,75691.76,73801.79,75840.97,76336.15,78178.23,78257.48,77437.13,77625,78657.55,77371.32,76342.77,75780,76346.57,78231.13,78686.85,78568.57,79861.01,80905.52,81447.01,80006,80193.17,80678.4,82210.07,81745.65,80504.47,79313.61,81089.99,79113.21,78148.05,77457.67,77001.87,76834.36,77552.23,77615.52,75539.5,76752.01,77064.96,77322.01,75930.01,74449.3,73617.51,73460.78,73884.38,73674.39,71408.9,66760.83,64142.75,63885.99,61056.47,60884.62,63332.01,63085.99,61730,61510.99,63625.99,63580.01,64458.01,65746.45,66328.74,65675.01,64509.4,62958.01,63543.91,64298.01,63311.99,64020.01,62734.57,61077.99,59794,60097.27,60029,59577.01,60260.21,58624.71,60024,61560,62583.26,63144.01,63650,64042.02,63363.99,62290,63230,64161.72,63819,63780,62334.52,65043.98,64756.28,63830.2,63931.67,64834.22,64722.54,65255.51,66556.16,66114.49,65098.97,64139.99,64375,65399.99,63755.86,63915,63984.28,64780.02,62887.88,62823.64,63570,63520,64106.56,64665.23,64462.55],\"t\":[1754524800,1754611200,1754697600,1754784000,1754870400,1754956800,1755043200,1755129600,1755216000,1755302400,1755388800,1755475200,1755561600,1755648000,1755734400,1755820800,1755907200,1755993600,1756080000,1756166400,1756252800,1756339200,1756425600,1756512000,1756598400,1756684800,1756771200,1756857600,1756944000,1757030400,1757116800,1757203200,1757289600,1757376000,1757462400,1757548800,1757635200,1757721600,1757808000,1757894400,1757980800,1758067200,1758153600,1758240000,1758326400,1758412800,1758499200,1758585600,1758672000,1758758400,1758844800,1758931200,1759017600,1759104000,1759190400,1759276800,1759363200,1759449600,1759536000,1759622400,1759708800,1759795200,1759881600,1759968000,1760054400,1760140800,1760227200,1760313600,1760400000,1760486400,1760572800,1760659200,1760745600,1760832000,1760918400,1761004800,1761091200,1761177600,1761264000,1761350400,1761436800,1761523200,1761609600,1761696000,1761782400,1761868800,1761955200,1762041600,1762128000,1762214400,1762300800,1762387200,1762473600,1762560000,1762646400,1762732800,1762819200,1762905600,1762992000,1763078400,1763164800,1763251200,1763337600,1763424000,1763510400,1763596800,1763683200,1763769600,1763856000,1763942400,1764028800,1764115200,1764201600,1764288000,1764374400,1764460800,1764547200,1764633600,1764720000,1764806400,1764892800,1764979200,1765065600,1765152000,1765238400,1765324800,1765411200,1765497600,1765584000,1765670400,1765756800,1765843200,1765929600,1766016000,1766102400,1766188800,1766275200,1766361600,1766448000,1766534400,1766620800,1766707200,1766793600,1766880000,1766966400,1767052800,1767139200,1767225600,1767312000,1767398400,1767484800,1767571200,1767657600,1767744000,1767830400,1767916800,1768003200,1768089600,1768176000,1768262400,1768348800,1768435200,1768521600,1768608000,1768694400,1768780800,1768867200,1768953600,1769040000,1769126400,1769212800,1769299200,1769385600,1769472000,1769558400,1769644800,1769731200,1769817600,1769904000,1769990400,1770076800,1770163200,1770249600,1770336000,1770422400,1770508800,1770595200,1770681600,1770768000,1770854400,1770940800,1771027200,1771113600,1771200000,1771286400,1771372800,1771459200,1771545600,1771632000,1771718400,1771804800,1771891200,1771977600,1772064000,1772150400,1772236800,1772323200,1772409600,1772496000,1772582400,1772668800,1772755200,1772841600,1772928000,1773014400,1773100800,1773187200,1773273600,1773360000,1773446400,1773532800,1773619200,1773705600,1773792000,1773878400,1773964800,1774051200,1774137600,1774224000,1774310400,1774396800,1774483200,1774569600,1774656000,1774742400,1774828800,1774915200,1775001600,1775088000,1775174400,1775260800,1775347200,1775433600,1775520000,1775606400,1775692800,1775779200,1775865600,1775952000,1776038400,1776124800,1776211200,1776297600,1776384000,1776470400,1776556800,1776643200,1776729600,1776816000,1776902400,1776988800,1777075200,1777161600,1777248000,1777334400,1777420800,1777507200,1777593600,1777680000,1777766400,1777852800,1777939200,1778025600,1778112000,1778198400,1778284800,1778371200,1778457600,1778544000,1778630400,1778716800,1778803200,1778889600,1778976000,1779062400,1779148800,1779235200,1779321600,1779408000,1779494400,1779580800,1779667200,1779753600,1779840000,1779926400,1780012800,1780099200,1780185600,1780272000,1780358400,1780444800,1780531200,1780617600,1780704000,1780790400,1780876800,1780963200,1781049600,1781136000,1781222400,1781308800,1781395200,1781481600,1781568000,1781654400,1781740800,1781827200,1781913600,1782000000,1782086400,1782172800,1782259200,1782345600,1782432000,1782518400,1782604800,1782691200,1782777600,1782864000,1782950400,1783036800,1783123200,1783209600,1783296000,1783382400,1783468800,1783555200,1783641600,1783728000,1783814400,1783900800,1783987200,1784073600,1784160000,1784246400,1784332800,1784419200,1784505600,1784592000,1784678400,1784764800,1784851200,1784937600,1785024000,1785110400,1785196800,1785283200,1785369600,1785456000,1785542400,1785628800,1785715200,1785801600,1785888000,1785974400],\"sym\":\"BTC\"}<\/script><p class=\"mcp-tool__note\">Testado sobre fechamentos di\u00e1rios reais de BTC na Binance. <strong>A janela domina o resultado<\/strong> \u2014 escolha outro in\u00edcio e a compara\u00e7\u00e3o pode se inverter. Fazer aportes m\u00e9dios compra um pior caso menor, n\u00e3o um retorno maior, e uma janela passada n\u00e3o diz nada sobre uma futura.<\/p><\/div>\n<h2>Como a compara\u00e7\u00e3o \u00e9 feita de forma justa<\/h2>\n<p>O aporte \u00fanico compromete <strong>o mesmo valor total<\/strong> que o plano de DCA gastaria ao longo de toda a janela, tudo no primeiro dia. Essa \u00e9 a \u00fanica compara\u00e7\u00e3o equivalente. Comparar uma sequ\u00eancia de compras pequenas com uma \u00fanica maior \u00e9 comparar duas quantias diferentes e n\u00e3o diz nada.<\/p>\n<p>As compras s\u00e3o executadas em fechamentos di\u00e1rios reais. N\u00e3o h\u00e1 modelagem de taxas aqui, ent\u00e3o as duas estrat\u00e9gias s\u00e3o igualmente favorecidas \u2014 na pr\u00e1tica o DCA gera mais transa\u00e7\u00f5es e, portanto, mais taxas, o que reduz qualquer vantagem que ele mostre.<\/p>\n<h2>A janela domina o resultado<\/h2>\n<p>Esta \u00e9 a coisa mais importante da p\u00e1gina. Em um mercado que subiu de forma constante, o aporte \u00fanico vence, porque cada compra de DCA ap\u00f3s a primeira compra mais caro. Em um mercado que caiu e se recuperou, o DCA vence, porque as compras posteriores acumulam mais unidades baratas. Mude a data inicial em algumas semanas e a resposta pode se inverter por completo.<\/p>\n<p>Isso n\u00e3o \u00e9 falha da calculadora \u2014 \u00e9 a conclus\u00e3o de fato, e \u00e9 por isso que qualquer afirma\u00e7\u00e3o categ\u00f3rica de que uma abordagem supera a outra \u00e9, na verdade, uma afirma\u00e7\u00e3o sobre qual janela foi escolhida. Um backtest diz o que teria acontecido em um passado espec\u00edfico. N\u00e3o diz o que vai acontecer a seguir.<\/p>\n<h2>O que a dilui\u00e7\u00e3o realmente compra<\/h2>\n<p>N\u00e3o retornos maiores. Espalhar as compras reduz a consequ\u00eancia de errar o momento: baixa a vari\u00e2ncia do seu pre\u00e7o de entrada, ent\u00e3o o pior resultado realista \u00e9 menos ruim. Em troca, o melhor tamb\u00e9m \u00e9 menos bom. Se voc\u00ea tem uma quantia dispon\u00edvel e o mercado sobe, vai ficar para tr\u00e1s \u2014 e saber disso de antem\u00e3o \u00e9 justamente o ponto.<\/p>\n<p>O n\u00famero de pre\u00e7o m\u00e9dio mostra o pre\u00e7o m\u00e9dio pago por unidade em todas as compras. Compar\u00e1-lo com o pre\u00e7o no in\u00edcio e no fim da janela mostra onde as suas entradas de fato ca\u00edram.<\/p>\n<h2>Perguntas frequentes<\/h2>\n<p><strong>Qual frequ\u00eancia \u00e9 melhor?<\/strong> As diferen\u00e7as entre semanal, quinzenal e mensal s\u00e3o pequenas e inconsistentes entre janelas. A frequ\u00eancia importa muito menos do que continuar.<\/p>\n<p><strong>Isto inclui taxas?<\/strong> N\u00e3o. Some a taxa da sua corretora a cada compra e note que comprar com mais frequ\u00eancia significa pag\u00e1-la mais vezes.<\/p>\n<p><strong>Um bom backtest \u00e9 raz\u00e3o para come\u00e7ar?<\/strong> N\u00e3o. Janelas passadas n\u00e3o s\u00e3o previs\u00f5es, e esta ferramenta mostrar\u00e1 de bom grado uma janela que sustente o que voc\u00ea j\u00e1 acreditava.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Compare comprar em intervalos regulares com comprometer o mesmo total no primeiro dia, usando pre\u00e7os de fechamento di\u00e1rios hist\u00f3ricos reais. Como a compara\u00e7\u00e3o \u00e9 feita de forma justa\u2026<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":278,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-tool.php","meta":{"footnotes":""},"class_list":["post-458","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mycoinpartner.com\/pt-br\/wp-json\/wp\/v2\/pages\/458","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mycoinpartner.com\/pt-br\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mycoinpartner.com\/pt-br\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mycoinpartner.com\/pt-br\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mycoinpartner.com\/pt-br\/wp-json\/wp\/v2\/comments?post=458"}],"version-history":[{"count":0,"href":"https:\/\/mycoinpartner.com\/pt-br\/wp-json\/wp\/v2\/pages\/458\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/mycoinpartner.com\/pt-br\/wp-json\/wp\/v2\/pages\/278"}],"wp:attachment":[{"href":"https:\/\/mycoinpartner.com\/pt-br\/wp-json\/wp\/v2\/media?parent=458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}