Dollar cost averaging (DCA) in COLA 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+5.0%
Final Value$17.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+5.0%
Final Value$17.3K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+4.7%
Final Value$17.8K
Worst possible — still beats not investing
Best vs Worst gap0.3 pp
Your timing vs best-0.0%
Your timing vs worst+0.3%
If You Keep Investing…
Based on this stock's historical CAGR of 4.4%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$19K~1.1x your moneyfrom $18K invested
5 Years$33K~1.1x your moneyfrom $30K invested
10 Years$75K~1.2x your moneyfrom $60K invested
20 Years$190K~1.6x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.1x your money
5 Years~1.1x your money
10 Years~1.2x your money
20 Years~1.6x your money
$100/mo
$4K+$236 est. gain
$7K+$682 est. gain
$15K+$3K est. gain
$38K+$14K est. gain
$250/mo
$10K+$590 est. gain
$17K+$2K est. gain
$37K+$7K est. gain
$95K+$35K est. gain
$500/mo
$19K+$1K est. gain
$33K+$3K est. gain
$75K+$15K est. gain
$190K+$70K est. gain
$1,000/mo
$38K+$2K est. gain
$67K+$7K est. gain
$150K+$30K est. gain
$380K+$140K est. gain
* Projection assumes historical CAGR of 4.4% continues. Actual returns will vary.
Your DCA Results by Date
14 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Mar 17, 2025
$9.96
$10,000
$10,000
+0.00%
$0
Apr 17, 2025
$10.00
$10,500
$10,540
+0.38%
$40
May 19, 2025
$10.09
$11,000
$11,135
+1.23%
$135
Jun 17, 2025
$10.10
$11,500
$11,646
+1.27%
$146
Jul 17, 2025
$10.14
$12,000
$12,192
+1.60%
$192
Aug 18, 2025
$10.20
$12,500
$12,764
+2.11%
$264
Sep 17, 2025
$10.21
$13,000
$13,277
+2.13%
$277
Oct 17, 2025
$10.26
$13,500
$13,842
+2.53%
$342
Nov 17, 2025
$10.33
$14,000
$14,436
+3.12%
$436
Dec 17, 2025
$10.33
$14,500
$14,936
+3.01%
$436
Jan 20, 2026
$10.44
$15,000
$15,595
+3.97%
$595
Feb 17, 2026
$10.52
$15,500
$16,215
+4.61%
$715
Mar 17, 2026
$10.50
$16,000
$16,684
+4.28%
$684
Apr 17, 2026
$10.55
$16,500
$17,263
+4.63%
$763
Frequently Asked Questions
Common questions about DCA investing in COLA
Investing $500 per month in Columbus Acquisition Corp (COLA) over the past 1 years would be worth approximately $17K today. That's +5.0% total return on $17K invested, with a +4.4% compound annual growth rate (CAGR).