Dollar cost averaging (DCA) in CACC 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 CACC Analysis
CACC DCA Calculator
Dollar Cost Averaging — Credit Acceptance 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+26.1%
Final Value$60.6K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+18.5%
Final Value$56.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+11.5%
Final Value$53.5K
Worst possible — still beats not investing
Best vs Worst gap14.7 pp
Your timing vs best-7.6%
Your timing vs worst+7.1%
If You Keep Investing…
Based on this stock's historical CAGR of 2.7%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$19K~1.0x your moneyfrom $18K invested
5 Years$32K~1.1x your moneyfrom $30K invested
10 Years$69K~1.1x your moneyfrom $60K invested
20 Years$159K~1.3x 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~1.1x your money
10 Years~1.1x your money
20 Years~1.3x your money
$100/mo
$4K+$145 est. gain
$6K+$414 est. gain
$14K+$2K est. gain
$32K+$8K est. gain
$250/mo
$9K+$362 est. gain
$16K+$1K est. gain
$34K+$4K est. gain
$79K+$19K est. gain
$500/mo
$19K+$723 est. gain
$32K+$2K est. gain
$69K+$9K est. gain
$159K+$39K est. gain
$1,000/mo
$37K+$1K est. gain
$64K+$4K est. gain
$137K+$17K est. gain
$317K+$77K est. gain
* Projection assumes historical CAGR of 2.7% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$442.77
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$434.75
$10,500
$10,319
-1.73%
$-181
Mar 2, 2020
$397.77
$11,000
$9,941
-9.63%
$-1,059
Apr 2, 2020
$236.75
$11,500
$6,417
-44.20%
$-5,083
May 4, 2020
$305.84
$12,000
$8,790
-26.75%
$-3,210
Jun 2, 2020
$388.96
$12,500
$11,678
-6.57%
$-822
Jul 2, 2020
$421.81
$13,000
$13,165
+1.27%
$165
Aug 3, 2020
$478.00
$13,500
$15,418
+14.21%
$1,918
Sep 2, 2020
$385.70
$14,000
$12,941
-7.56%
$-1,059
Oct 2, 2020
$353.93
$14,500
$12,375
-14.65%
$-2,125
Nov 2, 2020
$303.13
$15,000
$11,099
-26.01%
$-3,901
Dec 2, 2020
$325.73
$15,500
$12,426
-19.83%
$-3,074
Jan 4, 2021
$336.00
$16,000
$13,318
-16.76%
$-2,682
Feb 2, 2021
$331.54
$16,500
$13,641
-17.32%
$-2,859
Mar 2, 2021
$377.75
$17,000
$16,043
-5.63%
$-957
Apr 5, 2021
$358.20
$17,500
$15,712
-10.21%
$-1,788
May 3, 2021
$415.94
$18,000
$18,745
+4.14%
$745
Jun 2, 2021
$459.98
$18,500
$21,230
+14.76%
$2,730
Jul 2, 2021
$453.21
$19,000
$21,418
+12.72%
$2,418
Aug 2, 2021
$527.68
$19,500
$25,437
+30.45%
$5,937
Sep 2, 2021
$660.00
$20,000
$32,315
+61.58%
$12,315
Oct 4, 2021
$603.76
$20,500
$30,062
+46.64%
$9,562
Nov 2, 2021
$670.30
$21,000
$33,875
+61.31%
$12,875
Dec 2, 2021
$643.11
$21,500
$33,001
+53.49%
$11,501
Jan 3, 2022
$648.84
$22,000
$33,795
+53.61%
$11,795
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Frequently Asked Questions
Common questions about DCA investing in CACC
Investing $500 per month in Credit Acceptance Corporation (CACC) over the past 6 years would be worth approximately $57K today. That's +18.5% total return on $48K invested, with a +2.7% compound annual growth rate (CAGR).