Dollar cost averaging (DCA) in CTM 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+51.3%
Final Value$47.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+30.8%
Final Value$40.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+10.4%
Final Value$34.8K
Worst possible — still beats not investing
Best vs Worst gap40.9 pp
Your timing vs best-20.5%
Your timing vs worst+20.4%
If You Keep Investing…
Based on this stock's historical CAGR of 7.8%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$20K~1.1x your moneyfrom $18K invested
5 Years$36K~1.2x your moneyfrom $30K invested
10 Years$89K~1.5x your moneyfrom $60K invested
20 Years$279K~2.3x 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~1.2x your money
10 Years~1.5x your money
20 Years~2.3x your money
$100/mo
$4K+$426 est. gain
$7K+$1K est. gain
$18K+$6K est. gain
$56K+$32K est. gain
$250/mo
$10K+$1K est. gain
$18K+$3K est. gain
$45K+$15K est. gain
$139K+$79K est. gain
$500/mo
$20K+$2K est. gain
$36K+$6K est. gain
$89K+$29K est. gain
$279K+$159K est. gain
$1,000/mo
$40K+$4K est. gain
$73K+$13K est. gain
$178K+$58K est. gain
$558K+$318K est. gain
* Projection assumes historical CAGR of 7.8% continues. Actual returns will vary.
Your DCA Results by Date
43 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Oct 13, 2022
$1.20
$10,000
$10,000
+0.00%
$0
Nov 14, 2022
$0.82
$10,500
$7,333
-30.16%
$-3,167
Dec 13, 2022
$1.37
$11,000
$12,752
+15.93%
$1,752
Jan 13, 2023
$1.09
$11,500
$10,646
-7.43%
$-854
Feb 13, 2023
$1.12
$12,000
$11,439
-4.68%
$-561
Mar 13, 2023
$1.12
$12,500
$11,939
-4.49%
$-561
Apr 13, 2023
$1.05
$13,000
$11,693
-10.06%
$-1,307
May 15, 2023
$0.90
$13,500
$10,537
-21.95%
$-2,963
Jun 13, 2023
$0.60
$14,000
$7,558
-46.02%
$-6,442
Jul 13, 2023
$0.45
$14,500
$6,077
-58.09%
$-8,423
Aug 14, 2023
$0.48
$15,000
$7,048
-53.02%
$-7,952
Sep 13, 2023
$0.32
$15,500
$5,132
-66.89%
$-10,368
Oct 13, 2023
$0.19
$16,000
$3,659
-77.13%
$-12,341
Nov 13, 2023
$0.35
$16,500
$7,132
-56.77%
$-9,368
Dec 13, 2023
$0.21
$17,000
$4,771
-71.93%
$-12,229
Jan 16, 2024
$0.29
$17,500
$7,055
-59.69%
$-10,445
Feb 13, 2024
$0.29
$18,000
$7,599
-57.78%
$-10,401
Mar 13, 2024
$0.32
$18,500
$8,722
-52.85%
$-9,778
Apr 15, 2024
$0.22
$19,000
$6,696
-64.76%
$-12,304
May 13, 2024
$0.29
$19,500
$9,140
-53.13%
$-10,360
Jun 13, 2024
$0.21
$20,000
$7,233
-63.84%
$-12,767
Jul 15, 2024
$0.22
$20,500
$7,974
-61.10%
$-12,526
Aug 13, 2024
$0.15
$21,000
$5,756
-72.59%
$-15,244
Sep 13, 2024
$0.17
$21,500
$7,351
-65.81%
$-14,149
Oct 14, 2024
$0.17
$22,000
$7,741
-64.82%
$-14,259
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Frequently Asked Questions
Common questions about DCA investing in CTM
Investing $500 per month in Castellum, Inc. (CTM) over the past 4 years would be worth approximately $41K today. That's +30.8% total return on $31K invested, with a +7.8% compound annual growth rate (CAGR).