Dollar cost averaging (DCA) in CMC 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+150.6%
Final Value$120.3K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+138.6%
Final Value$114.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+126.3%
Final Value$108.6K
Worst possible — still beats not investing
Best vs Worst gap24.3 pp
Your timing vs best-12.0%
Your timing vs worst+12.3%
If You Keep Investing…
Based on this stock's historical CAGR of 14.7%/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$43K~1.4x your moneyfrom $30K invested
10 Years$128K~2.1x your moneyfrom $60K invested
20 Years$632K~5.3x 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~2.1x your money
20 Years~5.3x your money
$100/mo
$4K+$828 est. gain
$9K+$3K est. gain
$26K+$14K est. gain
$126K+$102K est. gain
$250/mo
$11K+$2K est. gain
$21K+$6K est. gain
$64K+$34K est. gain
$316K+$256K est. gain
$500/mo
$22K+$4K est. gain
$43K+$13K est. gain
$128K+$68K est. gain
$632K+$512K est. gain
$1,000/mo
$44K+$8K est. gain
$86K+$26K est. gain
$256K+$136K est. gain
$1.3M+$1.0M est. gain
* Projection assumes historical CAGR of 14.7% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$22.35
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$20.44
$10,500
$9,695
-7.67%
$-805
Mar 2, 2020
$18.92
$11,000
$9,474
-13.87%
$-1,526
Apr 2, 2020
$15.72
$11,500
$8,372
-27.20%
$-3,128
May 4, 2020
$15.94
$12,000
$9,058
-24.51%
$-2,942
Jun 2, 2020
$17.90
$12,500
$10,672
-14.62%
$-1,828
Jul 2, 2020
$19.83
$13,000
$12,394
-4.66%
$-606
Aug 3, 2020
$21.31
$13,500
$13,819
+2.37%
$319
Sep 2, 2020
$21.24
$14,000
$14,274
+1.96%
$274
Oct 2, 2020
$20.56
$14,500
$14,317
-1.26%
$-183
Nov 2, 2020
$20.96
$15,000
$15,185
+1.23%
$185
Dec 2, 2020
$20.39
$15,500
$15,272
-1.47%
$-228
Jan 4, 2021
$20.45
$16,000
$15,817
-1.15%
$-183
Feb 2, 2021
$20.40
$16,500
$16,367
-0.80%
$-133
Mar 2, 2021
$27.90
$17,000
$22,885
+34.62%
$5,885
Apr 5, 2021
$31.57
$17,500
$26,494
+51.39%
$8,994
May 3, 2021
$30.40
$18,000
$26,012
+44.51%
$8,012
Jun 2, 2021
$31.92
$18,500
$27,813
+50.34%
$9,313
Jul 2, 2021
$30.87
$19,000
$27,504
+44.76%
$8,504
Aug 2, 2021
$31.72
$19,500
$28,761
+47.49%
$9,261
Sep 2, 2021
$32.11
$20,000
$29,615
+48.07%
$9,615
Oct 4, 2021
$31.37
$20,500
$29,432
+43.57%
$8,932
Nov 2, 2021
$31.61
$21,000
$30,286
+44.22%
$9,286
Dec 2, 2021
$32.15
$21,500
$31,304
+45.60%
$9,804
Jan 3, 2022
$36.34
$22,000
$35,883
+63.11%
$13,883
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Frequently Asked Questions
Common questions about DCA investing in CMC
Investing $500 per month in Commercial Metals Company (CMC) over the past 6 years would be worth approximately $115K today. That's +138.6% total return on $48K invested, with a +14.7% compound annual growth rate (CAGR). This includes $5K from reinvested dividends.