Dollar-cost averaging with IBKR
Invest monthly toward your target allocation
Know how to split each monthly contribution across your ETFs, with IBKR commissions taken into account.
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Skip orders that cost more than they earn
€58,000 in three ETFs, with targets of 70% world, 10% emerging markets and 20% bonds.
| ETF | Target | Holding | Split by target | Suggested |
|---|---|---|---|---|
| VWCE, world | 70% | €40,000 · 69.0% | €775 | €1,000 |
| EIMI, emerging markets | 10% | €5,600 · 9.7% | €225 | €0 |
| AGGH, bonds | 20% | €12,400 · 21.4% | €0 | €0 |
AGGH is above target and gets nothing. EIMI is below target, but a €225 order costs about €1.75 on IBKR Tiered and is expected to earn about €1.11 in a month. The full €1,000 goes to VWCE in one order.
Set your targets once
Set target weights and a monthly amount for each account, and choose your IBKR Tiered or Fixed pricing. Your suggestion appears on the dashboard.
- Furthest below target firstNew money goes to the holdings furthest below target. Nothing is sold.
- Commission-awareOrders too small to cover their commission are skipped. Fees are estimated for European ETFs and stocks.
- Cash left aloneCash in your account is excluded unless you give it a target.
- Small monthsIf no order is worth its fee, add this month’s amount to next month’s.
- Suggestions, not ordersInteractiveFIRE can’t place trades. You buy in IBKR as usual.
- Savings trackedThe FIRE page compares each month’s saving with your plan and projects your FIRE date from what you actually saved over the last 12 months.
Know what to buy next month
Next contribution is part of Plus and Pro. Distance from your targets is on every plan. The first 25 people get Pro free. See pricing.