Dollar cost averaging (DCA) in CPSS 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 CPSS Analysis
CPSS DCA Calculator
Dollar Cost Averaging — Consumer Portfolio Services, Inc.
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+107.7%
Final Value$99.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+91.5%
Final Value$91.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+74.0%
Final Value$83.5K
Worst possible — still beats not investing
Best vs Worst gap33.8 pp
Your timing vs best-16.3%
Your timing vs worst+17.5%
If You Keep Investing…
Based on this stock's historical CAGR of 10.8%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.2x your moneyfrom $18K invested
5 Years$39K~1.3x your moneyfrom $30K invested
10 Years$104K~1.7x your moneyfrom $60K invested
20 Years$394K~3.3x 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~1.3x your money
10 Years~1.7x your money
20 Years~3.3x your money
$100/mo
$4K+$596 est. gain
$8K+$2K est. gain
$21K+$9K est. gain
$79K+$55K est. gain
$250/mo
$10K+$1K est. gain
$20K+$5K est. gain
$52K+$22K est. gain
$197K+$137K est. gain
$500/mo
$21K+$3K est. gain
$39K+$9K est. gain
$104K+$44K est. gain
$394K+$274K est. gain
$1,000/mo
$42K+$6K est. gain
$78K+$18K est. gain
$208K+$88K est. gain
$788K+$548K est. gain
* Projection assumes historical CAGR of 10.8% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$3.40
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$3.53
$10,500
$10,882
+3.64%
$382
Mar 2, 2020
$3.59
$11,000
$11,567
+5.16%
$567
Apr 2, 2020
$1.22
$11,500
$4,431
-61.47%
$-7,069
May 4, 2020
$2.98
$12,000
$11,323
-5.64%
$-677
Jun 2, 2020
$2.48
$12,500
$9,923
-20.61%
$-2,577
Jul 2, 2020
$2.93
$13,000
$12,224
-5.97%
$-776
Aug 3, 2020
$3.30
$13,500
$14,268
+5.69%
$768
Sep 2, 2020
$3.19
$14,000
$14,292
+2.09%
$292
Oct 2, 2020
$3.24
$14,500
$15,016
+3.56%
$516
Nov 2, 2020
$3.75
$15,000
$17,880
+19.20%
$2,880
Dec 2, 2020
$3.94
$15,500
$19,285
+24.42%
$3,785
Jan 4, 2021
$4.19
$16,000
$21,009
+31.31%
$5,009
Feb 2, 2021
$4.05
$16,500
$20,807
+26.10%
$4,307
Mar 2, 2021
$4.20
$17,000
$22,078
+29.87%
$5,078
Apr 5, 2021
$4.00
$17,500
$21,527
+23.01%
$4,027
May 3, 2021
$4.40
$18,000
$24,179
+34.33%
$6,179
Jun 2, 2021
$4.84
$18,500
$27,097
+46.47%
$8,597
Jul 2, 2021
$4.44
$19,000
$25,358
+33.46%
$6,358
Aug 2, 2021
$4.85
$19,500
$28,199
+44.61%
$8,699
Sep 2, 2021
$5.69
$20,000
$33,583
+67.92%
$13,583
Oct 4, 2021
$5.90
$20,500
$35,323
+72.31%
$14,823
Nov 2, 2021
$7.29
$21,000
$44,144
+110.21%
$23,144
Dec 2, 2021
$7.99
$21,500
$48,883
+127.36%
$27,383
Jan 3, 2022
$11.60
$22,000
$71,469
+224.86%
$49,469
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Frequently Asked Questions
Common questions about DCA investing in CPSS
Investing $500 per month in Consumer Portfolio Services, Inc. (CPSS) over the past 6 years would be worth approximately $92K today. That's +91.5% total return on $48K invested, with a +10.8% compound annual growth rate (CAGR).