Dollar cost averaging (DCA) in ECPG 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 ECPG Analysis
ECPG DCA Calculator
Dollar Cost Averaging — Encore Capital Group, 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+112.0%
Final Value$101.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+98.2%
Final Value$95.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+86.1%
Final Value$89.3K
Worst possible — still beats not investing
Best vs Worst gap25.8 pp
Your timing vs best-13.7%
Your timing vs worst+12.1%
If You Keep Investing…
Based on this stock's historical CAGR of 11.4%/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$40K~1.3x your moneyfrom $30K invested
10 Years$108K~1.8x your moneyfrom $60K invested
20 Years$424K~3.5x 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~3.5x your money
$100/mo
$4K+$632 est. gain
$8K+$2K est. gain
$22K+$10K est. gain
$85K+$61K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$54K+$24K est. gain
$212K+$152K est. gain
$500/mo
$21K+$3K est. gain
$40K+$10K est. gain
$108K+$48K est. gain
$424K+$304K est. gain
$1,000/mo
$42K+$6K est. gain
$79K+$19K est. gain
$215K+$95K est. gain
$848K+$608K est. gain
* Projection assumes historical CAGR of 11.4% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$35.94
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$34.13
$10,500
$9,996
-4.80%
$-504
Mar 2, 2020
$38.61
$11,000
$11,809
+7.35%
$809
Apr 2, 2020
$19.12
$11,500
$6,348
-44.80%
$-5,152
May 4, 2020
$23.23
$12,000
$8,212
-31.57%
$-3,788
Jun 2, 2020
$32.49
$12,500
$11,986
-4.11%
$-514
Jul 2, 2020
$33.82
$13,000
$12,976
-0.18%
$-24
Aug 3, 2020
$36.17
$13,500
$14,378
+6.50%
$878
Sep 2, 2020
$48.22
$14,000
$19,668
+40.49%
$5,668
Oct 2, 2020
$39.04
$14,500
$16,424
+13.27%
$1,924
Nov 2, 2020
$33.74
$15,000
$14,694
-2.04%
$-306
Dec 2, 2020
$36.29
$15,500
$16,305
+5.19%
$805
Jan 4, 2021
$37.23
$16,000
$17,227
+7.67%
$1,227
Feb 2, 2021
$31.41
$16,500
$15,034
-8.89%
$-1,466
Mar 2, 2021
$34.00
$17,000
$16,774
-1.33%
$-226
Apr 5, 2021
$39.91
$17,500
$20,189
+15.37%
$2,689
May 3, 2021
$40.46
$18,000
$20,967
+16.49%
$2,967
Jun 2, 2021
$47.31
$18,500
$25,017
+35.23%
$6,517
Jul 2, 2021
$47.44
$19,000
$25,586
+34.66%
$6,586
Aug 2, 2021
$47.02
$19,500
$25,860
+32.61%
$6,360
Sep 2, 2021
$48.50
$20,000
$27,174
+35.87%
$7,174
Oct 4, 2021
$49.91
$20,500
$28,463
+38.85%
$7,963
Nov 2, 2021
$53.37
$21,000
$30,937
+47.32%
$9,937
Dec 2, 2021
$59.10
$21,500
$34,758
+61.67%
$13,258
Jan 3, 2022
$61.41
$22,000
$36,617
+66.44%
$14,617
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Frequently Asked Questions
Common questions about DCA investing in ECPG
Investing $500 per month in Encore Capital Group, Inc. (ECPG) over the past 6 years would be worth approximately $95K today. That's +98.2% total return on $48K invested, with a +11.4% compound annual growth rate (CAGR).