Dollar cost averaging (DCA) in DC 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+67.3%
Final Value$57.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+54.0%
Final Value$53.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+41.4%
Final Value$48.8K
Worst possible — still beats not investing
Best vs Worst gap25.8 pp
Your timing vs best-13.3%
Your timing vs worst+12.5%
If You Keep Investing…
Based on this stock's historical CAGR of 11.1%/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$106K~1.8x your moneyfrom $60K invested
20 Years$411K~3.4x 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~1.8x your money
20 Years~3.4x your money
$100/mo
$4K+$617 est. gain
$8K+$2K est. gain
$21K+$9K est. gain
$82K+$58K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$53K+$23K est. gain
$206K+$146K est. gain
$500/mo
$21K+$3K est. gain
$39K+$9K est. gain
$106K+$46K est. gain
$411K+$291K est. gain
$1,000/mo
$42K+$6K est. gain
$79K+$19K est. gain
$212K+$92K est. gain
$822K+$582K est. gain
* Projection assumes historical CAGR of 11.1% continues. Actual returns will vary.
Your DCA Results by Date
50 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Apr 5, 2022
$6.90
$10,000
$10,000
+0.00%
$0
May 5, 2022
$3.97
$10,500
$6,254
-40.44%
$-4,246
Jun 6, 2022
$4.05
$11,000
$6,880
-37.46%
$-4,120
Jul 5, 2022
$3.06
$11,500
$5,698
-50.45%
$-5,802
Aug 5, 2022
$4.18
$12,000
$8,283
-30.97%
$-3,717
Sep 6, 2022
$3.48
$12,500
$7,396
-40.83%
$-5,104
Oct 5, 2022
$3.29
$13,000
$7,492
-42.37%
$-5,508
Nov 7, 2022
$3.95
$13,500
$9,496
-29.66%
$-4,004
Dec 5, 2022
$3.40
$14,000
$8,673
-38.05%
$-5,327
Jan 5, 2023
$3.35
$14,500
$9,046
-37.62%
$-5,454
Feb 6, 2023
$3.40
$15,000
$9,681
-35.46%
$-5,319
Mar 6, 2023
$2.82
$15,500
$8,529
-44.97%
$-6,971
Apr 5, 2023
$3.55
$16,000
$11,237
-29.77%
$-4,763
May 5, 2023
$3.81
$16,500
$12,560
-23.88%
$-3,940
Jun 5, 2023
$3.11
$17,000
$10,753
-36.75%
$-6,247
Jul 5, 2023
$2.91
$17,500
$10,561
-39.65%
$-6,939
Aug 7, 2023
$3.00
$18,000
$11,388
-36.73%
$-6,612
Sep 5, 2023
$2.75
$18,500
$10,939
-40.87%
$-7,561
Oct 5, 2023
$2.50
$19,000
$10,444
-45.03%
$-8,556
Nov 6, 2023
$2.69
$19,500
$11,738
-39.80%
$-7,762
Dec 5, 2023
$2.81
$20,000
$12,762
-36.19%
$-7,238
Jan 5, 2024
$2.23
$20,500
$10,628
-48.16%
$-9,872
Feb 5, 2024
$2.00
$21,000
$10,032
-52.23%
$-10,968
Mar 5, 2024
$2.07
$21,500
$10,883
-49.38%
$-10,617
Apr 5, 2024
$2.76
$22,000
$15,010
-31.77%
$-6,990
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Frequently Asked Questions
Common questions about DCA investing in DC
Investing $500 per month in Dakota Gold Corp. (DC) over the past 4 years would be worth approximately $53K today. That's +54.0% total return on $35K invested, with a +11.1% compound annual growth rate (CAGR).