Dollar cost averaging (DCA) in DFH 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-19.6%
Final Value$33.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-25.2%
Final Value$31.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-31.4%
Final Value$28.8K
Worst possible — still beats not investing
Best vs Worst gap11.7 pp
Your timing vs best-5.6%
Your timing vs worst+6.1%
If You Keep Investing…
Based on this stock's historical CAGR of -5.3%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$18K~1.0x your moneyfrom $18K invested
5 Years$30K~1.0x your moneyfrom $30K invested
10 Years$60K~1.0x your moneyfrom $60K invested
20 Years$120K~1.0x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.0x your money
5 Years~1.0x your money
10 Years~1.0x your money
20 Years~1.0x your money
$100/mo
$4K+$0 est. gain
$6K+$0 est. gain
$12K+$0 est. gain
$24K+$0 est. gain
$250/mo
$9K+$0 est. gain
$15K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$500/mo
$18K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$1,000/mo
$36K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$240K+$0 est. gain
* Projection assumes historical CAGR of -5.3% continues. Actual returns will vary.
Your DCA Results by Date
64 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 21, 2021
$20.95
$10,000
$10,000
+0.00%
$0
Feb 22, 2021
$25.08
$10,500
$12,471
+18.77%
$1,971
Mar 22, 2021
$22.77
$11,000
$11,823
+7.48%
$823
Apr 21, 2021
$23.03
$11,500
$12,458
+8.33%
$958
May 21, 2021
$27.60
$12,000
$15,430
+28.58%
$3,430
Jun 21, 2021
$24.84
$12,500
$14,387
+15.09%
$1,887
Jul 21, 2021
$20.98
$13,000
$12,651
-2.68%
$-349
Aug 23, 2021
$21.80
$13,500
$13,646
+1.08%
$146
Sep 21, 2021
$18.38
$14,000
$12,005
-14.25%
$-1,995
Oct 21, 2021
$16.73
$14,500
$11,427
-21.19%
$-3,073
Nov 22, 2021
$17.91
$15,000
$12,733
-15.11%
$-2,267
Dec 21, 2021
$18.65
$15,500
$13,759
-11.23%
$-1,741
Jan 21, 2022
$17.60
$16,000
$13,485
-15.72%
$-2,515
Feb 22, 2022
$18.47
$16,500
$14,651
-11.20%
$-1,849
Mar 21, 2022
$20.52
$17,000
$16,777
-1.31%
$-223
Apr 21, 2022
$17.54
$17,500
$14,841
-15.20%
$-2,659
May 23, 2022
$16.50
$18,000
$14,461
-19.66%
$-3,539
Jun 21, 2022
$10.21
$18,500
$9,448
-48.93%
$-9,052
Jul 21, 2022
$13.10
$19,000
$12,623
-33.57%
$-6,377
Aug 22, 2022
$11.23
$19,500
$11,321
-41.94%
$-8,179
Sep 21, 2022
$11.03
$20,000
$11,619
-41.90%
$-8,381
Oct 21, 2022
$9.90
$20,500
$10,929
-46.69%
$-9,571
Nov 21, 2022
$9.67
$21,000
$11,175
-46.79%
$-9,825
Dec 21, 2022
$9.42
$21,500
$11,386
-47.04%
$-10,114
Jan 23, 2023
$11.10
$22,000
$13,917
-36.74%
$-8,083
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Frequently Asked Questions
Common questions about DCA investing in DFH
Investing $500 per month in Dream Finders Homes, Inc. (DFH) over the past 5 years would be worth approximately $31K today. That's -25.2% total return on $42K invested, with a -5.3% compound annual growth rate (CAGR).