Dca Vs Lump

{
  "asOf": "2026-10-11T20:30:27.882Z",
  "buys": 6,
  "dca": {
    "averageCost": 95.614261,
    "finalValue": 6588.975279,
    "returnPct": 9.81625,
    "units": 62.752146
  },
  "degraded": false,
  "disclaimer": "Screening signal computed from the named public source. Not financial, legal or investment advice; provided as is. Verify at the source before acting.",
  "finalPrice": 105,
  "lumpSum": {
    "cost": 100,
    "finalValue": 6300,
    "returnPct": 5,
    "units": 60
  },
  "notChecked": [
    "real-world frictions: fees, spreads, taxes and the interest that cash waiting to be invested could earn",
    "what the prices do after the last date",
    "…2 more"
  ],
  "priceChangePct": 5,
  "reasons": [
    "Each DCA buy purchases amount / price units; the lump sum buys everything at the first price.",
    "When prices trend up, the lump sum usually wins because more money is invested longer; when they fall first, DCA tends to win."
  ],
  "source": "computed locally",
  "summary": "Investing 6000 in 6 equal buys ends at 6588.98 (9.82%, average cost 95.6143); one lump sum on day one ends at 6300 (5%). DCA finishes ahead by 288.98.",
  "totalInvested": 6000,
  "verdict": "DCA_AHEAD",
  "winner": "DCA"
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i 'https://invest-math.x402tookit.com/dca-vs-lump?perBuy=1000&prices=100%2C90%2C80%2C95%2C110%2C105'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - 'https://invest-math.x402tookit.com/dca-vs-lump?perBuy=1000&prices=100%2C90%2C80%2C95%2C110%2C105' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.02 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.02" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.02 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Finvest-math.x402tookit.com%2Fdca-vs-lump
const res = await pay("https://invest-math.x402tookit.com/dca-vs-lump?perBuy=1000&prices=100%2C90%2C80%2C95%2C110%2C105");
console.log(res.status, await res.text());

# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.02 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.02"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.get("https://invest-math.x402tookit.com/dca-vs-lump?perBuy=1000&prices=100%2C90%2C80%2C95%2C110%2C105")
    print(res.status_code, res.text)