Dollar cost averaging (DCA) in BCS 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+215.7%
Final Value$151.5K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+197.9%
Final Value$143.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+178.8%
Final Value$133.8K
Worst possible — still beats not investing
Best vs Worst gap36.9 pp
Your timing vs best-17.8%
Your timing vs worst+19.1%
If You Keep Investing…
Based on this stock's historical CAGR of 18.8%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$23K~1.3x your moneyfrom $18K invested
5 Years$47K~1.6x your moneyfrom $30K invested
10 Years$159K~2.6x your moneyfrom $60K invested
20 Years$1.0M~8.7x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.3x your money
5 Years~1.6x your money
10 Years~2.6x your money
20 Years~8.7x your money
$100/mo
$5K+$1K est. gain
$9K+$3K est. gain
$32K+$20K est. gain
$210K+$186K est. gain
$250/mo
$12K+$3K est. gain
$24K+$9K est. gain
$79K+$49K est. gain
$524K+$464K est. gain
$500/mo
$23K+$5K est. gain
$47K+$17K est. gain
$159K+$99K est. gain
$1.0M+$928K est. gain
$1,000/mo
$47K+$11K est. gain
$94K+$34K est. gain
$318K+$198K est. gain
$2.1M+$1.9M est. gain
* Projection assumes historical CAGR of 18.8% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$9.76
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$8.76
$10,500
$9,475
-9.76%
$-1,025
Mar 2, 2020
$7.51
$11,000
$8,947
-18.67%
$-2,053
Apr 2, 2020
$4.01
$11,500
$5,277
-54.11%
$-6,223
May 4, 2020
$5.00
$12,000
$7,080
-41.00%
$-4,920
Jun 2, 2020
$5.95
$12,500
$8,925
-28.60%
$-3,575
Jul 2, 2020
$5.80
$13,000
$9,200
-29.23%
$-3,800
Aug 3, 2020
$5.38
$13,500
$9,034
-33.08%
$-4,466
Sep 2, 2020
$5.53
$14,000
$9,786
-30.10%
$-4,214
Oct 2, 2020
$5.08
$14,500
$9,489
-34.56%
$-5,011
Nov 2, 2020
$5.51
$15,000
$10,793
-28.05%
$-4,207
Dec 2, 2020
$7.82
$15,500
$15,817
+2.05%
$317
Jan 4, 2021
$7.69
$16,000
$16,054
+0.34%
$54
Feb 2, 2021
$7.60
$16,500
$16,367
-0.81%
$-133
Mar 2, 2021
$9.04
$17,000
$20,087
+18.16%
$3,087
Apr 5, 2021
$10.33
$17,500
$23,453
+34.02%
$5,953
May 3, 2021
$9.67
$18,000
$22,455
+24.75%
$4,455
Jun 2, 2021
$10.73
$18,500
$25,416
+37.39%
$6,916
Jul 2, 2021
$9.70
$19,000
$23,477
+23.56%
$4,477
Aug 2, 2021
$9.78
$19,500
$24,170
+23.95%
$4,670
Sep 2, 2021
$10.33
$20,000
$26,301
+31.51%
$6,301
Oct 4, 2021
$10.38
$20,500
$26,929
+31.36%
$6,429
Nov 2, 2021
$10.93
$21,000
$28,856
+37.41%
$7,856
Dec 2, 2021
$10.14
$21,500
$27,270
+26.84%
$5,770
Jan 3, 2022
$10.59
$22,000
$28,980
+31.73%
$6,980
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Frequently Asked Questions
Common questions about DCA investing in BCS
Investing $500 per month in Barclays PLC (BCS) over the past 6 years would be worth approximately $143K today. That's +197.9% total return on $48K invested, with a +18.8% compound annual growth rate (CAGR). This includes $9K from reinvested dividends.