Dollar cost averaging (DCA) in AFRM 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+103.2%
Final Value$85.3K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+73.5%
Final Value$72.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+45.4%
Final Value$61.1K
Worst possible — still beats not investing
Best vs Worst gap57.8 pp
Your timing vs best-29.7%
Your timing vs worst+28.2%
If You Keep Investing…
Based on this stock's historical CAGR of 10.9%/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$39K~1.3x your moneyfrom $30K invested
10 Years$105K~1.7x your moneyfrom $60K invested
20 Years$401K~3.3x 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~1.7x your money
20 Years~3.3x your money
$100/mo
$4K+$605 est. gain
$8K+$2K est. gain
$21K+$9K est. gain
$80K+$56K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$52K+$22K est. gain
$201K+$141K est. gain
$500/mo
$21K+$3K est. gain
$39K+$9K est. gain
$105K+$45K est. gain
$401K+$281K est. gain
$1,000/mo
$42K+$6K est. gain
$78K+$18K est. gain
$210K+$90K est. gain
$803K+$563K est. gain
* Projection assumes historical CAGR of 10.9% continues. Actual returns will vary.
Your DCA Results by Date
64 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 13, 2021
$97.24
$10,000
$10,000
+0.00%
$0
Feb 16, 2021
$119.15
$10,500
$12,753
+21.46%
$2,253
Mar 15, 2021
$81.35
$11,000
$9,207
-16.30%
$-1,793
Apr 13, 2021
$70.11
$11,500
$8,435
-26.65%
$-3,065
May 13, 2021
$48.37
$12,000
$6,320
-47.34%
$-5,680
Jun 14, 2021
$68.94
$12,500
$9,507
-23.94%
$-2,993
Jul 13, 2021
$58.21
$13,000
$8,527
-34.41%
$-4,473
Aug 13, 2021
$65.95
$13,500
$10,161
-24.73%
$-3,339
Sep 13, 2021
$109.30
$14,000
$17,340
+23.86%
$3,340
Oct 13, 2021
$146.13
$14,500
$23,683
+63.33%
$9,183
Nov 15, 2021
$147.99
$15,000
$24,485
+63.23%
$9,485
Dec 13, 2021
$109.96
$15,500
$18,693
+20.60%
$3,193
Jan 13, 2022
$72.13
$16,000
$12,762
-20.24%
$-3,238
Feb 14, 2022
$43.70
$16,500
$8,232
-50.11%
$-8,268
Mar 14, 2022
$26.22
$17,000
$5,439
-68.01%
$-11,561
Apr 13, 2022
$38.40
$17,500
$8,466
-51.62%
$-9,034
May 13, 2022
$23.71
$18,000
$5,727
-68.18%
$-12,273
Jun 13, 2022
$17.92
$18,500
$4,829
-73.90%
$-13,671
Jul 13, 2022
$20.79
$19,000
$6,102
-67.89%
$-12,898
Aug 15, 2022
$38.42
$19,500
$11,776
-39.61%
$-7,724
Sep 13, 2022
$24.19
$20,000
$7,915
-60.43%
$-12,085
Oct 13, 2022
$18.76
$20,500
$6,638
-67.62%
$-13,862
Nov 14, 2022
$16.28
$21,000
$6,260
-70.19%
$-14,740
Dec 13, 2022
$11.78
$21,500
$5,030
-76.60%
$-16,470
Jan 13, 2023
$12.88
$22,000
$6,000
-72.73%
$-16,000
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Frequently Asked Questions
Common questions about DCA investing in AFRM
Investing $500 per month in Affirm Holdings, Inc. (AFRM) over the past 5 years would be worth approximately $72K today. That's +73.5% total return on $42K invested, with a +10.9% compound annual growth rate (CAGR).