Dollar cost averaging (DCA) in API 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-22.3%
Final Value$35.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-30.4%
Final Value$31.3K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-38.9%
Final Value$27.8K
Worst possible — still beats not investing
Best vs Worst gap16.6 pp
Your timing vs best-8.2%
Your timing vs worst+8.4%
If You Keep Investing…
Based on this stock's historical CAGR of -6.0%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$18K~1.0x your moneyfrom $18K invested
5 Years$30K~1.0x your moneyfrom $30K invested
10 Years$60K~1.0x your moneyfrom $60K invested
20 Years$120K~1.0x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.0x your money
5 Years~1.0x your money
10 Years~1.0x your money
20 Years~1.0x your money
$100/mo
$4K+$0 est. gain
$6K+$0 est. gain
$12K+$0 est. gain
$24K+$0 est. gain
$250/mo
$9K+$0 est. gain
$15K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$500/mo
$18K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$1,000/mo
$36K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$240K+$0 est. gain
* Projection assumes historical CAGR of -6.0% continues. Actual returns will vary.
Your DCA Results by Date
71 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jun 26, 2020
$50.50
$10,000
$10,000
+0.00%
$0
Jul 27, 2020
$38.74
$10,500
$8,171
-22.18%
$-2,329
Aug 26, 2020
$47.20
$11,000
$10,456
-4.95%
$-544
Sep 28, 2020
$46.38
$11,500
$10,774
-6.31%
$-726
Oct 26, 2020
$41.71
$12,000
$10,189
-15.09%
$-1,811
Nov 27, 2020
$40.65
$12,500
$10,430
-16.56%
$-2,070
Dec 28, 2020
$39.93
$13,000
$10,746
-17.34%
$-2,254
Jan 26, 2021
$55.11
$13,500
$15,331
+13.56%
$1,831
Feb 26, 2021
$60.87
$14,000
$17,433
+24.52%
$3,433
Mar 26, 2021
$51.40
$14,500
$15,221
+4.97%
$721
Apr 26, 2021
$59.37
$15,000
$18,081
+20.54%
$3,081
May 26, 2021
$42.54
$15,500
$13,455
-13.19%
$-2,045
Jun 28, 2021
$43.68
$16,000
$14,316
-10.53%
$-1,684
Jul 26, 2021
$27.19
$16,500
$9,411
-42.96%
$-7,089
Aug 26, 2021
$30.03
$17,000
$10,894
-35.91%
$-6,106
Sep 27, 2021
$29.13
$17,500
$11,068
-36.75%
$-6,432
Oct 26, 2021
$25.84
$18,000
$10,318
-42.68%
$-7,682
Nov 26, 2021
$20.36
$18,500
$8,630
-53.35%
$-9,870
Dec 27, 2021
$16.25
$19,000
$7,388
-61.12%
$-11,612
Jan 26, 2022
$9.77
$19,500
$4,942
-74.66%
$-14,558
Feb 28, 2022
$12.08
$20,000
$6,610
-66.95%
$-13,390
Mar 28, 2022
$10.41
$20,500
$6,196
-69.77%
$-14,304
Apr 26, 2022
$6.71
$21,000
$4,494
-78.60%
$-16,506
May 26, 2022
$5.82
$21,500
$4,398
-79.54%
$-17,102
Jun 27, 2022
$7.31
$22,000
$6,024
-72.62%
$-15,976
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Frequently Asked Questions
Common questions about DCA investing in API
Investing $500 per month in Agora, Inc. (API) over the past 6 years would be worth approximately $31K today. That's -30.4% total return on $45K invested, with a -6.0% compound annual growth rate (CAGR).