Dollar cost averaging (DCA) in BLKB 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-43.9%
Final Value$26.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-47.4%
Final Value$25.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-49.7%
Final Value$24.1K
Worst possible — still beats not investing
Best vs Worst gap5.9 pp
Your timing vs best-3.6%
Your timing vs worst+2.3%
If You Keep Investing…
Based on this stock's historical CAGR of -9.6%/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+$0 est. gain
* Projection assumes historical CAGR of -9.6% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$80.89
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$79.49
$10,500
$10,327
-1.65%
$-173
Mar 2, 2020
$69.93
$11,000
$9,601
-12.72%
$-1,399
Apr 2, 2020
$53.09
$11,500
$7,789
-32.27%
$-3,711
May 4, 2020
$53.23
$12,000
$8,309
-30.76%
$-3,691
Jun 2, 2020
$60.00
$12,500
$9,866
-21.07%
$-2,634
Jul 2, 2020
$58.64
$13,000
$10,142
-21.98%
$-2,858
Aug 3, 2020
$63.99
$13,500
$11,568
-14.31%
$-1,932
Sep 2, 2020
$66.22
$14,000
$12,471
-10.92%
$-1,529
Oct 2, 2020
$54.23
$14,500
$10,713
-26.12%
$-3,787
Nov 2, 2020
$48.42
$15,000
$10,065
-32.90%
$-4,935
Dec 2, 2020
$55.09
$15,500
$11,952
-22.89%
$-3,548
Jan 4, 2021
$57.16
$16,000
$12,901
-19.37%
$-3,099
Feb 2, 2021
$67.27
$16,500
$15,683
-4.95%
$-817
Mar 2, 2021
$70.53
$17,000
$16,943
-0.34%
$-57
Apr 5, 2021
$72.09
$17,500
$17,817
+1.81%
$317
May 3, 2021
$68.72
$18,000
$17,484
-2.86%
$-516
Jun 2, 2021
$71.68
$18,500
$18,737
+1.28%
$237
Jul 2, 2021
$76.98
$19,000
$20,623
+8.54%
$1,623
Aug 2, 2021
$70.79
$19,500
$19,465
-0.18%
$-35
Sep 2, 2021
$71.05
$20,000
$20,036
+0.18%
$36
Oct 4, 2021
$72.22
$20,500
$20,866
+1.79%
$366
Nov 2, 2021
$72.05
$21,000
$21,317
+1.51%
$317
Dec 2, 2021
$73.32
$21,500
$22,193
+3.22%
$693
Jan 3, 2022
$79.39
$22,000
$24,530
+11.50%
$2,530
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Frequently Asked Questions
Common questions about DCA investing in BLKB
Investing $500 per month in Blackbaud, Inc. (BLKB) over the past 6 years would be worth approximately $25K today. That's -47.4% total return on $48K invested, with a -9.6% compound annual growth rate (CAGR). This includes $16 from reinvested dividends.