Stock Average Calculator
Blend your holding into one average price, then see how an extra buy moves your break-even.
Position inputs
shares you already own.
Average buy price = investment ÷ shares = ₹300.00.
Average-down add
price you'd buy the extra shares at.
shares to add at the buy price.
A label only — no live data is fetched.
Results update live — calculations run in your browser, no signup.
₹250.00
Average reduced by ₹50.00 (16.7%) — from ₹300.00 across 100 shares.
Your average vs the market
Your Average
break-even
Current Price
market
New Average
after adding
Excludes brokerage & taxes. Current price is the figure you entered — no live data. Any profit or loss is unrealised until you sell.
How Much to Buy to Lower Average
New Average
₹250.00
Reduction
−16.7%
Adding 100 shares at ₹200.00 (₹20,000) lowers your break-even to ₹250.00.
New Average Scenario Analysis
Adding 100 shares at prices around today's ₹220.00.
| Buy price | Added inv. | New avg | Reduction |
|---|---|---|---|
| ₹209.00 | ₹20,900 | ₹254.50 | −15.2% |
| ₹198.00 | ₹19,800 | ₹249.00 | −17.0% |
| ₹187.00 | ₹18,700 | ₹243.50 | −18.8% |
| ₹176.00 | ₹17,600 | ₹238.00 | −20.7% |
| ₹165.00 | ₹16,500 | ₹232.50 | −22.5% |
Buying lower cuts your average more — but a lower price often means the stock has fallen further, so the risk rises too.
Recovery Planner
Shares to buy at ₹200.00 to reach a target average.
Shares Required
100
Investment
₹20,000
Shares = held × (average − target) ÷ (target − buy price).
Position Recovery Meter
How far the price must rise to reach break-even.
your stock needs to rise 13.6% to reach break-even.
Break-Even Analysis
Your average cost is your break-even (before charges).
Must rise 13.6% from ₹220.00 to ₹250.00.
If the Price Recovers
P&L on your post-averaging position as the price rises. Break-even row highlighted.
| Price | vs now | P&L | Return |
|---|---|---|---|
| ₹220.00 | +0.0% | −₹6,000 | −12.0% |
| ₹246.25 | +11.9% | −₹750 | −1.5% |
| ₹250.00BE | +13.6% | +₹0 | +0.0% |
| ₹272.50 | +23.9% | +₹4,500 | +9.0% |
| ₹298.75 | +35.8% | +₹9,750 | +19.5% |
| ₹325.00 | +47.7% | +₹15,000 | +30.0% |
Falling Price Impact
More shares means a bigger loss if your stock drops further.
| Price | Drop | Loss | Return |
|---|---|---|---|
| ₹220.00 | 0.0% | −₹6,000 | −12.0% |
| ₹198.00 | −10.0% | −₹10,400 | −20.8% |
| ₹176.00 | −20.0% | −₹14,800 | −29.6% |
| ₹154.00 | −30.0% | −₹19,200 | −38.4% |
| ₹132.00 | −40.0% | −₹23,600 | −47.2% |
| ₹110.00 | −50.0% | −₹28,000 | −56.0% |
A lower average can't stop further losses — never add just to feel even on a paper loss.
Position Health Score
- Sizeable drawdown (26.7%) — review the thesis
- Top-up roughly matches your existing capital (66.7%)
- You're adding below your average (true averaging down)
- A lower average can't make a falling stock recover — fundamentals must still hold
A transparent score from your numbers — not a buy/sell signal.
Key Takeaways
- Average cost / break-even: ₹300.00
- Shares held: 100 for ₹30,000
- At ₹220.00: −₹8,000 (26.7%)
- Averaging down → ₹250.00 (−16.7%)
- Needs +13.6% to break even
When to Average
- The original reason you bought still holds — sound business, just cheaper.
- The fall is broad-market or sentiment-driven, not company-specific bad news.
- The addition is small relative to your total portfolio and risk budget.
- You'd happily buy this stock fresh at today's price.
When Not to Average
- The fundamentals have deteriorated — falling for a real reason.
- You're only adding to lower the average and "feel even".
- The position already takes up too much of your portfolio.
- It's a falling knife with no support — you can't time the bottom.
Start investing in mutual funds
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Your position: 100 shares at ₹300.00, now ₹220.00 — averaging down to ₹250.00.
Plan the rest of your trade
Check the charges you'll pay, size the next add to your risk, or invest steadily instead.
Average price = total invested ÷ shares; after averaging down, new average = (existing investment + new shares × buy price) ÷ total shares. Your break-even is this average before brokerage and taxes — the real price to clear charges sits a little higher (use the brokerage calculator). The current price is the one you entered (no live data), and any profit or loss is unrealised until you sell. A lower average never makes a falling stock recover — education and planning estimates, not advice.
How the average buy price is calculated
New avg = (P₀ + q × b) ÷ (h + q)
- P₀
- total already invested
- h
- shares already held
- q
- shares you add
- b
- buy price of the added shares
Worked example
With your inputs — 100 shares bought for ₹30,000 — your quantity-weighted average is ₹30,000 ÷ 100 = ₹300.00, which is also your break-even before charges. Adding 100 shares at ₹200.00 (₹20,000) blends to (₹30,000 + ₹20,000) ÷ 200 = ₹250.00 — a 16.7% reduction.
Most asked averaging-down questions
Averaging down is buying more of a stock you already own at a lower price than before. Because you're adding cheaper shares, your overall average cost per share falls — which lowers the price the stock needs to reach for your position to break even. It does not, on its own, make the position profitable: only the market price decides that.
It's a quantity-weighted average: total money invested ÷ total shares held. So your new average after averaging down is (existing investment + new shares × new price) ÷ (existing shares + new shares). A larger top-up pulls the average closer to the new price.
No. Averaging down only lowers the price you need to break even — it cannot make a falling stock rise. If the price keeps dropping, you simply have more money at risk in a losing position. The honest rule is: don't catch a falling knife, and only add when the original reason you bought still holds.
To bring your average down to a target price T by buying at price P (with P below T), the shares needed are: held × (avg − T) ÷ (T − P). The recovery planner on this page does this for you and shows the extra money required.
Avoid averaging into a deteriorating business, a stock falling on bad fundamentals, or a position that already takes up too much of your portfolio. A lower price alone is never a reason. Size every addition against your total risk, not against the hope of breaking even faster.
No. Your average price is your cost basis — what you paid. The current market price is what the stock trades at today. You're in profit only when the market price sits above your average cost, and that's before brokerage and taxes.
Your break-even price is your average cost per share — the level the stock must trade above for your position to be worth more than you paid. This figure is before brokerage and taxes; add those (see our brokerage calculator) to find the price you truly need to clear charges.
The complete guide to averaging down & cost basis
What your average price really is
Your average price is a quantity-weighted blend of everything you paid: total money invested divided by total shares held. It is your cost basis — the figure your profit and loss is measured against, before brokerage and taxes — and it doubles as your break-even price. Here that works out to ₹300.00 across your 100 shares.
How averaging down works
Buying more of a stock you already own at a lower price drags your average down. Adding 100 shares at ₹200.00 moves the break-even from ₹300.00 to ₹250.00 — a 16.7% reduction. A lower break-even means the stock has less ground to recover before you're whole — but more of your money is now committed to the same position, so the move cuts both ways.
Lowering the average doesn't guarantee recovery
This is the part most calculators leave out. Averaging down only changes the price you need to break even — it does nothing to the company or the market. If your stock keeps falling, you simply have more money in a losing position. Don't catch a falling knife: only add when the original reason you bought still holds and you'd happily buy fresh at today's price.
Don't forget charges and taxes
The break-even here is before costs. Brokerage, exchange and regulatory fees, and taxes on any gain mean the price you truly need to clear is a little above your average. Use the brokerage calculator to find your real net break-even. The stock name is just a label and the current price is the one you entered — there is no live data, and every figure is a planning estimate, not advice.