Dollar cost averaging (DCA) in CDLX 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-82.5%
Final Value$8.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-86.0%
Final Value$6.7K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-88.3%
Final Value$5.6K
Worst possible — still beats not investing
Best vs Worst gap5.9 pp
Your timing vs best-3.5%
Your timing vs worst+2.3%
If You Keep Investing…
Based on this stock's historical CAGR of -26.7%/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+$0 est. gain
* Projection assumes historical CAGR of -26.7% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$62.09
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$84.94
$10,500
$14,180
+35.05%
$3,680
Mar 2, 2020
$85.73
$11,000
$14,812
+34.65%
$3,812
Apr 2, 2020
$30.63
$11,500
$5,792
-49.63%
$-5,708
May 4, 2020
$44.18
$12,000
$8,854
-26.21%
$-3,146
Jun 2, 2020
$74.13
$12,500
$15,357
+22.86%
$2,857
Jul 2, 2020
$67.50
$13,000
$14,483
+11.41%
$1,483
Aug 3, 2020
$72.73
$13,500
$16,106
+19.30%
$2,606
Sep 2, 2020
$77.82
$14,000
$17,733
+26.66%
$3,733
Oct 2, 2020
$71.51
$14,500
$16,795
+15.83%
$2,295
Nov 2, 2020
$76.46
$15,000
$18,457
+23.05%
$3,457
Dec 2, 2020
$115.54
$15,500
$28,391
+83.17%
$12,891
Jan 4, 2021
$135.69
$16,000
$33,843
+111.52%
$17,843
Feb 2, 2021
$135.10
$16,500
$34,196
+107.25%
$17,696
Mar 2, 2021
$134.00
$17,000
$34,417
+102.45%
$17,417
Apr 5, 2021
$111.33
$17,500
$29,095
+66.25%
$11,595
May 3, 2021
$133.86
$18,000
$35,482
+97.12%
$17,482
Jun 2, 2021
$106.23
$18,500
$28,659
+54.91%
$10,159
Jul 2, 2021
$122.64
$19,000
$33,586
+76.77%
$14,586
Aug 2, 2021
$124.84
$19,500
$34,688
+77.89%
$15,188
Sep 2, 2021
$97.00
$20,000
$27,452
+37.26%
$7,452
Oct 4, 2021
$79.20
$20,500
$22,915
+11.78%
$2,415
Nov 2, 2021
$79.73
$21,000
$23,568
+12.23%
$2,568
Dec 2, 2021
$66.05
$21,500
$20,024
-6.86%
$-1,476
Jan 3, 2022
$68.61
$22,000
$21,300
-3.18%
$-700
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Frequently Asked Questions
Common questions about DCA investing in CDLX
Investing $500 per month in Cardlytics, Inc. (CDLX) over the past 6 years would be worth approximately $7K today. That's -86.0% total return on $48K invested, with a -26.7% compound annual growth rate (CAGR).