Dollar cost averaging (DCA) in ABCB means investing a fixed amount at regular intervals, regardless of share price. This strategy reduces timing risk and builds wealth steadily through market ups and downs.
How This Calculator Works
Our DCA calculator simulates real market conditions using historical price data. It accounts for dividend reinvestment (DRIP), where each dividend payment automatically purchases additional shares. You can adjust the investment amount, frequency, time period, and compare against benchmarks like the S&P 500 and Nasdaq-100.
Same amount invested each month — only the day of purchase changes. How much does intra-month timing actually matter?
Best Timing DCA
StrategyBuy on monthly low
Total Return+120.4%
Final Value$105.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+107.2%
Final Value$99.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+95.4%
Final Value$93.8K
Worst possible — still beats not investing
Best vs Worst gap25.0 pp
Your timing vs best-13.2%
Your timing vs worst+11.8%
If You Keep Investing…
Based on this stock's historical CAGR of 12.2%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.2x your moneyfrom $18K invested
5 Years$40K~1.3x your moneyfrom $30K invested
10 Years$112K~1.9x your moneyfrom $60K invested
20 Years$465K~3.9x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.2x your money
5 Years~1.3x your money
10 Years~1.9x your money
20 Years~3.9x your money
$100/mo
$4K+$678 est. gain
$8K+$2K est. gain
$22K+$10K est. gain
$93K+$69K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$56K+$26K est. gain
$233K+$173K est. gain
$500/mo
$21K+$3K est. gain
$40K+$10K est. gain
$112K+$52K est. gain
$465K+$345K est. gain
$1,000/mo
$43K+$7K est. gain
$81K+$21K est. gain
$224K+$104K est. gain
$930K+$690K est. gain
* Projection assumes historical CAGR of 12.2% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$42.74
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$40.47
$10,500
$9,969
-5.06%
$-531
Mar 2, 2020
$35.27
$11,000
$9,188
-16.47%
$-1,812
Apr 2, 2020
$22.92
$11,500
$6,509
-43.40%
$-4,991
May 4, 2020
$24.11
$12,000
$7,347
-38.77%
$-4,653
Jun 2, 2020
$23.71
$12,500
$7,725
-38.20%
$-4,775
Jul 2, 2020
$22.14
$13,000
$7,760
-40.31%
$-5,240
Aug 3, 2020
$23.38
$13,500
$8,694
-35.60%
$-4,806
Sep 2, 2020
$24.66
$14,000
$9,670
-30.93%
$-4,330
Oct 2, 2020
$23.82
$14,500
$9,903
-31.71%
$-4,597
Nov 2, 2020
$29.85
$15,000
$12,909
-13.94%
$-2,091
Dec 2, 2020
$35.77
$15,500
$15,970
+3.03%
$470
Jan 4, 2021
$38.10
$16,000
$17,577
+9.86%
$1,577
Feb 2, 2021
$41.44
$16,500
$19,618
+18.90%
$3,118
Mar 2, 2021
$48.97
$17,000
$23,683
+39.31%
$6,683
Apr 5, 2021
$53.28
$17,500
$26,340
+50.51%
$8,840
May 3, 2021
$54.48
$18,000
$27,433
+52.41%
$9,433
Jun 2, 2021
$55.86
$18,500
$28,628
+54.75%
$10,128
Jul 2, 2021
$50.39
$19,000
$26,401
+38.95%
$7,401
Aug 2, 2021
$48.31
$19,500
$25,811
+32.37%
$6,311
Sep 2, 2021
$48.24
$20,000
$26,274
+31.37%
$6,274
Oct 4, 2021
$53.47
$20,500
$29,704
+44.90%
$9,204
Nov 2, 2021
$52.97
$21,000
$29,927
+42.51%
$8,927
Dec 2, 2021
$49.69
$21,500
$28,574
+32.90%
$7,074
Jan 3, 2022
$51.42
$22,000
$30,158
+37.08%
$8,158
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Frequently Asked Questions
Common questions about DCA investing in ABCB
Investing $500 per month in Ameris Bancorp (ABCB) over the past 6 years would be worth approximately $99K today. That's +107.2% total return on $48K invested, with a +12.2% compound annual growth rate (CAGR). This includes $3K from reinvested dividends.