Dollar cost averaging (DCA) in BJ 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 BJ Analysis
BJ DCA Calculator
Dollar Cost Averaging — BJ's Wholesale Club Holdings, Inc.
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+117.7%
Final Value$104.5K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+112.3%
Final Value$101.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+102.5%
Final Value$97.2K
Worst possible — still beats not investing
Best vs Worst gap15.1 pp
Your timing vs best-5.4%
Your timing vs worst+9.8%
If You Keep Investing…
Based on this stock's historical CAGR of 12.6%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$22K~1.2x your moneyfrom $18K invested
5 Years$41K~1.4x your moneyfrom $30K invested
10 Years$115K~1.9x your moneyfrom $60K invested
20 Years$490K~4.1x 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~1.4x your money
10 Years~1.9x your money
20 Years~4.1x your money
$100/mo
$4K+$704 est. gain
$8K+$2K est. gain
$23K+$11K est. gain
$98K+$74K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$57K+$27K est. gain
$245K+$185K est. gain
$500/mo
$22K+$4K est. gain
$41K+$11K est. gain
$115K+$55K est. gain
$490K+$370K est. gain
$1,000/mo
$43K+$7K est. gain
$82K+$22K est. gain
$229K+$109K est. gain
$981K+$741K est. gain
* Projection assumes historical CAGR of 12.6% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$22.60
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$20.48
$10,500
$9,562
-8.93%
$-938
Mar 2, 2020
$21.06
$11,000
$10,333
-6.07%
$-667
Apr 2, 2020
$26.38
$11,500
$13,443
+16.89%
$1,943
May 4, 2020
$26.75
$12,000
$14,131
+17.76%
$2,131
Jun 2, 2020
$36.47
$12,500
$19,766
+58.13%
$7,266
Jul 2, 2020
$36.97
$13,000
$20,537
+57.98%
$7,537
Aug 3, 2020
$40.19
$13,500
$22,826
+69.08%
$9,326
Sep 2, 2020
$43.74
$14,000
$25,342
+81.02%
$11,342
Oct 2, 2020
$39.54
$14,500
$23,409
+61.44%
$8,909
Nov 2, 2020
$39.24
$15,000
$23,731
+58.21%
$8,731
Dec 2, 2020
$39.74
$15,500
$24,534
+58.28%
$9,034
Jan 4, 2021
$37.34
$16,000
$23,552
+47.20%
$7,552
Feb 2, 2021
$42.77
$16,500
$27,477
+66.53%
$10,977
Mar 2, 2021
$38.83
$17,000
$25,446
+49.68%
$8,446
Apr 5, 2021
$46.74
$17,500
$31,129
+77.88%
$13,629
May 3, 2021
$45.51
$18,000
$30,810
+71.17%
$12,810
Jun 2, 2021
$46.70
$18,500
$32,116
+73.60%
$13,616
Jul 2, 2021
$47.19
$19,000
$32,953
+73.44%
$13,953
Aug 2, 2021
$50.13
$19,500
$35,506
+82.08%
$16,006
Sep 2, 2021
$58.45
$20,000
$41,899
+109.49%
$21,899
Oct 4, 2021
$54.26
$20,500
$39,395
+92.17%
$18,895
Nov 2, 2021
$59.93
$21,000
$44,012
+109.58%
$23,012
Dec 2, 2021
$64.38
$21,500
$47,780
+122.23%
$26,280
Jan 3, 2022
$65.69
$22,000
$49,252
+123.87%
$27,252
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Frequently Asked Questions
Common questions about DCA investing in BJ
Investing $500 per month in BJ's Wholesale Club Holdings, Inc. (BJ) over the past 6 years would be worth approximately $102K today. That's +112.3% total return on $48K invested, with a +12.6% compound annual growth rate (CAGR).