Dollar-cost averaging
Nearly every study agrees that investing a lump sum wins more often than spreading it out. And almost nobody has the lump sum. dca-alerts is for the other situation: setting an amount aside every month, and needing the habit to survive both fear and a month when the money doesn’t stretch.
For now it’s invitation only. Whoever gets in has 14 days of the Complete plan, no card needed.
Budget 2026 · example
What you have left each month
August is tight: the property tax is due (€861). Set aside €194 a month from now on and every bill of the year is covered.
Contribution to your fund€200/month
Emergency fund4.6 of 6 months
People stop for one of two reasons, and both are hard to fix once you notice late.
The market drops, the news explains it with great confidence, and that month’s contribution gets skipped “until things settle”. Here you get an alert that describes what happened, with the figures, and says nothing about what to do.
Not because of a surprise, but because of something predictable that landed that month: the insurance, the property tax, the car service. Here the budget runs month by month, so the tight month shows up in March rather than August, and it tells you how much to set aside to get there.
Three things that hold each other up: knowing what is happening with what you invest, keeping your money in order so you can carry on, and understanding why.
What is happening with what you follow, told in figures.
So that the expensive month doesn’t make you skip the contribution.
No smoke: every figure with its source.
Every tool can be seen with sample data, on the very same screen you would use. If it works for you, then you put in your own figures.
Spreading your entry over time lowers the risk of buying at exactly the wrong moment, and in exchange leaves money idle while it waits. Both are true at once, and the second is the half almost nobody mentions. What makes contributing bit by bit work isn't that it's better: it's that you can keep it up for thirty years, and a better strategy abandoned in year two loses to a worse one that continues.
Measured in production. They're small numbers, and they're here on purpose: the alternative was to show none or to make them up.
€0
Anyone who signs up gets 14 days of Complete without giving a card; when it ends they move to the free plan on their own, losing nothing they have recorded.
Lump sum, across most periods studied: markets rise in more months than they fall, so waiting usually costs money. Periodic contributions win when the money isn’t all available yet, or when investing it at once would lead to selling in the first drop.
No. It's information: alerts describe what happened in the market, and the budget organises your own figures. There are no personalised recommendations, no suggested portfolios, and nobody here is registered as an adviser.
No, and you can't. You type the figures yourself and the system fetches the prices. If you want to compare your budget with what you spend, you upload the statement: it is read on your device, not stored, and only the rules you teach it are remembered.
The application is in Spanish, Catalan, Galician, Basque, English and German. The course and the manual are, for now, only in Spanish.
They're deleted. Closing your account leaves thirty days to change your mind, and then everything of yours is removed, budget included. Before that you can take a copy of all of it in one file.
There is a free plan and a Complete one; they are just above. Whoever gets in tries Complete for 14 days without a card.
By invitation, for now, and you can ask for one. Whoever gets in has 14 days of the Complete plan without a card.