Dollar cost averaging (DCA) in ATLC 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.
More ATLC Analysis
ATLC DCA Calculator
Dollar Cost Averaging — Atlanticus Holdings Corporation
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+319.0%
Final Value$201.1K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+287.7%
Final Value$186.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+259.0%
Final Value$172.3K
Worst possible — still beats not investing
Best vs Worst gap60.0 pp
Your timing vs best-31.2%
Your timing vs worst+28.8%
If You Keep Investing…
Based on this stock's historical CAGR of 23.8%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$25K~1.4x your moneyfrom $18K invested
5 Years$53K~1.8x your moneyfrom $30K invested
10 Years$208K~3.5x your moneyfrom $60K invested
20 Years$2.0M~16.4x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.4x your money
5 Years~1.8x your money
10 Years~3.5x your money
20 Years~16.4x your money
$100/mo
$5K+$1K est. gain
$11K+$5K est. gain
$42K+$30K est. gain
$395K+$371K est. gain
$250/mo
$13K+$4K est. gain
$27K+$12K est. gain
$104K+$74K est. gain
$987K+$927K est. gain
$500/mo
$25K+$7K est. gain
$53K+$23K est. gain
$208K+$148K est. gain
$2.0M+$1.9M est. gain
$1,000/mo
$50K+$14K est. gain
$106K+$46K est. gain
$416K+$296K est. gain
$3.9M+$3.7M est. gain
* Projection assumes historical CAGR of 23.8% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$9.14
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$13.58
$10,500
$15,358
+46.26%
$4,858
Mar 2, 2020
$12.62
$11,000
$14,772
+34.29%
$3,772
Apr 2, 2020
$9.22
$11,500
$11,292
-1.81%
$-208
May 4, 2020
$16.64
$12,000
$20,880
+74.00%
$8,880
Jun 2, 2020
$14.90
$12,500
$19,197
+53.57%
$6,697
Jul 2, 2020
$10.87
$13,000
$14,505
+11.57%
$1,505
Aug 3, 2020
$8.23
$13,500
$11,482
-14.95%
$-2,018
Sep 2, 2020
$9.82
$14,000
$14,200
+1.43%
$200
Oct 2, 2020
$12.73
$14,500
$18,908
+30.40%
$4,408
Nov 2, 2020
$12.40
$15,000
$18,918
+26.12%
$3,918
Dec 2, 2020
$15.71
$15,500
$24,468
+57.86%
$8,968
Jan 4, 2021
$22.62
$16,000
$35,730
+123.31%
$19,730
Feb 2, 2021
$28.50
$16,500
$45,518
+175.86%
$29,018
Mar 2, 2021
$27.20
$17,000
$43,941
+158.48%
$26,941
Apr 5, 2021
$28.25
$17,500
$46,138
+163.64%
$28,638
May 3, 2021
$31.59
$18,000
$52,092
+189.40%
$34,092
Jun 2, 2021
$38.15
$18,500
$63,410
+242.76%
$44,910
Jul 2, 2021
$41.65
$19,000
$69,727
+266.99%
$50,727
Aug 2, 2021
$44.04
$19,500
$74,229
+280.66%
$54,729
Sep 2, 2021
$60.53
$20,000
$102,522
+412.61%
$82,522
Oct 4, 2021
$53.14
$20,500
$90,505
+341.49%
$70,005
Nov 2, 2021
$83.17
$21,000
$142,151
+576.91%
$121,151
Dec 2, 2021
$61.08
$21,500
$104,896
+387.89%
$83,396
Jan 3, 2022
$69.50
$22,000
$119,856
+444.80%
$97,856
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Frequently Asked Questions
Common questions about DCA investing in ATLC
Investing $500 per month in Atlanticus Holdings Corporation (ATLC) over the past 6 years would be worth approximately $186K today. That's +287.7% total return on $48K invested, with a +23.8% compound annual growth rate (CAGR).