DCAMASTER

Terms and limitations

Free tools for education

DCAMaster provides this website to help you explore monthly gold DCA using historical data. It is free to use, with no account required. Content and simulated results are general educational information. We do not provide investment advice or consultations, solicit investments, or recommend buying, selling or holding any asset.

These terms describe the scope of the tools, content, charts, calculations and links on DCAMaster.com. Please read them alongside the calculation methods and Privacy policy. If you do not wish to use the service on this basis, you can stop without a fee. Opening a page does not waive your mandatory legal rights.

No investment or trading services

We do not accept investment funds, hold or manage assets, open trading accounts, place orders for users, or offer trading in gold, securities or fund units. All amounts and gold holdings shown are simulated. No assets are bought or held through this website. Using the tool or contacting us does not make us your adviser or agent.

We do not ask you to transfer investment funds, share passwords or verification codes, or grant account access to use the tool. We do not provide automated trading, copy trading or portfolio management. Do not assume that a request for investment funds made in the name of DCAMaster is authorized by this website.

What historical results can tell you

Results provide an initial overview of how your chosen amount and dates would work under the model’s assumptions. They are not forecasts or guarantees. Gold prices can fall and cause losses. Changing the start or end month can substantially change the results, and past performance does not guarantee future outcomes.

Example amounts, default settings, selected periods, chart colors and return figures help demonstrate the tool. They do not assess whether an amount or asset is suitable for you. We do not assess your finances, goals, experience, capacity for loss or personal restrictions.

How the simulation works

The model uses an equal amount each month, includes both selected months, allows fractional units and holds all simulated purchases until the end. It uses monthly average prices, which are only known after the month ends. These are not prices you could select in advance or an exactly executable trading strategy. Annualized returns use XIRR with month-end dates for contributions and the final value.

The tool does not model borrowing, leverage, sales during the selected period, interest on unused cash or dealer-specific conditions. Displayed figures may be rounded and can differ slightly from calculations using the displayed numbers. The estimated return over your selected period and XIRR measure different things. Annualizing a short period can produce extreme figures and does not mean that return will recur each year.

Price benchmarks and Thai estimates

The English tool uses the gold benchmark in USD per troy ounce directly. The Thai tool estimates 96.5%-purity gold-bar prices per baht weight using monthly gold and exchange-rate averages, weight and purity assumptions. These are not Gold Traders Association quotes or executable dealer prices. Multiplying two monthly averages can differ from averaging daily converted prices. See how the calculation works.

The model interprets the benchmark as USD per fine troy ounce of pure-gold content under the LBMA quoting convention. English results show simulated fine-gold weight on that basis. The Thai conversion uses a bar weight of 15.244 grams per baht-weight, 96.5% purity and 31.1035 grams per troy ounce: Gold USD × THB per USD × (15.244 / 31.1035) × 0.965. There is no additional division by 0.995. This estimates fine-gold content value, is not the TFEX Gold Futures settlement formula and has not been calibrated against executable dealer quotes.

World Bank describes the earlier series as the UK 99.5%-fine London afternoon fixing and, from June 2025, a spot average of daily rates without further detail on purity. Applying the fine-troy-ounce basis throughout is the model's interpretation of the international quoting convention, not additional unit confirmation from World Bank. Differences in collection methods and benchmark definitions can affect comparisons across periods.

Costs and conditions not included

Results exclude bid–ask spreads, fees, taxes, fabrication charges, premiums, storage, insurance and inflation. Dealers may require minimum purchase sizes or restrict fractional units. Actual transactions may therefore differ from the simulation, and returns after costs may be lower.

Data accuracy and updates

We use monthly averages and update data periodically. Prices are not live, and exchange rates are not updated daily. Source data can be revised, delayed, incomplete or incorrect. We take care when checking the tool but cannot guarantee accuracy, completeness or freshness in every case. Please report a problem if you find one.

Source revisions or changes in collection methods can change earlier results when data is updated. We may correct formulas or suspend results for affected periods. We do not promise to preserve every historical version or result indefinitely. If you keep a result for study, record the amount, selected months and assumptions with it.

Decisions based on these results

Do not rely on a simulation alone when making a transaction or use estimated prices as executable quotes. Verify information with relevant sources and dealers. For advice suited to your circumstances, consult an appropriately qualified professional. We do not provide personal investment, financial, legal or tax advice.

Advertisements and external links

The website displays advertising and may receive advertising fees or compensation from displayed links. Advertisements are labeled and do not change formulas or results. Their presence does not confirm a provider’s reliability, licensing, suitability or returns. External services have their own operators and terms. Check them before signing up, sharing information or making a transaction.

Advertising or link compensation may create a financial relationship with an advertiser. Consider this relationship before choosing a service. An advertisement does not confirm authorization or availability in every country. Gold simulations here do not represent an advertiser’s product, particularly leveraged products or products with different pricing and fees.

When you leave the website, the other provider’s terms and policies apply. We do not receive funds or execute transactions for advertisers and cannot guarantee account opening, deposits, withdrawals or dispute resolution with external providers. This does not exclude our own responsibilities where the law applies.

Responsible use and data rights

Do not disrupt or damage the website, access systems without permission, or present simulations as guaranteed returns. When sharing results, include their dates, assumptions and limitations. Credit data sources and follow their terms. Displaying third-party data here does not transfer ownership or grant unrestricted rights to reuse it.

Content rights and misrepresentation

The DCAMaster name, logo, original code and content have the protection provided by applicable law. Third-party data, marks and media remain their owners’ property. Do not use our name or screenshots to imply that we endorse your services or alter results to mislead others. Statutory rights and permissions under source-data licenses remain subject to their applicable terms.

Availability and interruptions

Display and access depend on devices, browsers, connections and hosting services. Delays, incomplete loading and outages can occur. We may restrict access that disrupts the service or threatens security as reasonably necessary. The tool is not a portfolio recordkeeping or backup service, and we do not guarantee a response or resolution within a specific time.

Limits on responsibility

To the extent permitted by law, we are not responsible for losses from using simulations to make trading decisions, relying on inaccurate data or using external services. The website may be temporarily unavailable, and continuous access is not guaranteed. These limits do not exclude liability for fraud, intentional misconduct, gross negligence or anything else that cannot legally be excluded. Your mandatory legal rights remain unaffected.

These limits include trading losses and expected profits or opportunities only where lawful and fair in the circumstances. They are not a blanket exclusion of liability or a requirement that users indemnify us for every loss. Where the law requires us to be responsible, that responsibility remains.

Changes and applicable law

We may update data, methods and these terms, by publishing the revised version here. Material changes will be highlighted where appropriate and as required by law. Updated terms apply to use after publication without removing rights that have already arisen. Thai law applies, subject to any mandatory rights under applicable law. If a provision cannot be enforced, the remaining provisions apply as far as the law allows. You may contact DCAMaster through our contact form with questions or complaints without giving up legal remedies.

Questions, corrections and complaints

Use our contact page to report a problem, including the page URL, selected months and a description. Do not send account details or unnecessary personal information. This channel helps us investigate issues and does not provide personal investment advice. Contacting us is not a mandatory step before exercising your legal complaint or enforcement rights.

Language and interpretation

Thai and English versions are provided for convenience. If they differ, the Thai version takes priority to the extent permitted by law, without reducing mandatory rights. Please report differences so we can correct them.

Privacy

The calculator runs in your browser. Google Forms and hosting providers may process information when you use their services. See our Privacy policy for details.

Sources and usage terms