Dollar cost averaging (DCA) in DIA 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 DIA Analysis
DIA DCA Calculator
Dollar Cost Averaging — SPDR Dow Jones Industrial Average ETF Trust
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+54.8%
Final Value$75.1K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+50.9%
Final Value$73.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+47.0%
Final Value$71.3K
Worst possible — still beats not investing
Best vs Worst gap7.8 pp
Your timing vs best-3.9%
Your timing vs worst+3.9%
If You Keep Investing…
Based on this stock's historical CAGR of 6.6%/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$35K~1.2x your moneyfrom $30K invested
10 Years$84K~1.4x your moneyfrom $60K invested
20 Years$243K~2.0x 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~1.4x your money
20 Years~2.0x your money
$100/mo
$4K+$359 est. gain
$7K+$1K est. gain
$17K+$5K est. gain
$49K+$25K est. gain
$250/mo
$10K+$897 est. gain
$18K+$3K est. gain
$42K+$12K est. gain
$122K+$62K est. gain
$500/mo
$20K+$2K est. gain
$35K+$5K est. gain
$84K+$24K est. gain
$243K+$123K est. gain
$1,000/mo
$40K+$4K est. gain
$71K+$11K est. gain
$168K+$48K est. gain
$486K+$246K est. gain
* Projection assumes historical CAGR of 6.6% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$288.62
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$283.98
$10,500
$10,339
-1.53%
$-161
Mar 2, 2020
$267.03
$11,000
$10,222
-7.07%
$-778
Apr 1, 2020
$209.38
$11,500
$8,515
-25.95%
$-2,985
May 1, 2020
$237.28
$12,000
$10,150
-15.42%
$-1,850
Jun 1, 2020
$255.27
$12,500
$11,419
-8.64%
$-1,081
Jul 1, 2020
$257.31
$13,000
$12,011
-7.61%
$-989
Aug 3, 2020
$266.72
$13,500
$12,950
-4.07%
$-550
Sep 1, 2020
$286.79
$14,000
$14,424
+3.03%
$424
Oct 1, 2020
$278.14
$14,500
$14,489
-0.07%
$-11
Nov 2, 2020
$269.20
$15,000
$14,524
-3.18%
$-476
Dec 2, 2020
$299.18
$15,500
$16,641
+7.36%
$1,141
Jan 4, 2021
$302.32
$16,000
$17,316
+8.22%
$1,316
Feb 2, 2021
$306.82
$16,500
$18,073
+9.54%
$1,573
Mar 2, 2021
$314.19
$17,000
$19,008
+11.81%
$2,008
Apr 1, 2021
$331.45
$17,500
$20,552
+17.44%
$3,052
May 3, 2021
$341.11
$18,000
$21,651
+20.28%
$3,651
Jun 1, 2021
$345.87
$18,500
$22,453
+21.37%
$3,953
Jul 1, 2021
$346.36
$19,000
$22,985
+20.97%
$3,985
Aug 2, 2021
$348.35
$19,500
$23,617
+21.11%
$4,117
Sep 1, 2021
$353.55
$20,000
$24,469
+22.35%
$4,469
Oct 1, 2021
$343.18
$20,500
$24,252
+18.30%
$3,752
Nov 2, 2021
$360.57
$21,000
$25,980
+23.72%
$4,980
Dec 2, 2021
$346.61
$21,500
$25,475
+18.49%
$3,975
Jan 3, 2022
$365.68
$22,000
$27,376
+24.44%
$5,376
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Frequently Asked Questions
Common questions about DCA investing in DIA
Investing $500 per month in SPDR Dow Jones Industrial Average ETF Trust (DIA) over the past 6 years would be worth approximately $73K today. That's +50.9% total return on $49K invested, with a +6.6% compound annual growth rate (CAGR).