Dollar cost averaging (DCA) in ENVA 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+430.8%
Final Value$254.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+392.3%
Final Value$236.3K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+356.6%
Final Value$219.1K
Worst possible — still beats not investing
Best vs Worst gap74.2 pp
Your timing vs best-38.4%
Your timing vs worst+35.8%
If You Keep Investing…
Based on this stock's historical CAGR of 28.6%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$27K~1.5x your moneyfrom $18K invested
5 Years$59K~2.0x your moneyfrom $30K invested
10 Years$268K~4.5x your moneyfrom $60K invested
20 Years$3.6M~29.9x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.5x your money
5 Years~2.0x your money
10 Years~4.5x your money
20 Years~29.9x your money
$100/mo
$5K+$2K est. gain
$12K+$6K est. gain
$54K+$42K est. gain
$717K+$693K est. gain
$250/mo
$13K+$4K est. gain
$30K+$15K est. gain
$134K+$104K est. gain
$1.8M+$1.7M est. gain
$500/mo
$27K+$9K est. gain
$59K+$29K est. gain
$268K+$208K est. gain
$3.6M+$3.5M est. gain
$1,000/mo
$53K+$17K est. gain
$119K+$59K est. gain
$537K+$417K est. gain
$7.2M+$6.9M est. gain
* Projection assumes historical CAGR of 28.6% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$24.14
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$20.92
$10,500
$9,166
-12.70%
$-1,334
Mar 2, 2020
$19.56
$11,000
$9,070
-17.54%
$-1,930
Apr 2, 2020
$12.06
$11,500
$6,092
-47.02%
$-5,408
May 4, 2020
$13.71
$12,000
$7,426
-38.12%
$-4,574
Jun 2, 2020
$13.92
$12,500
$8,040
-35.68%
$-4,460
Jul 2, 2020
$14.48
$13,000
$8,863
-31.82%
$-4,137
Aug 3, 2020
$16.17
$13,500
$10,398
-22.98%
$-3,102
Sep 2, 2020
$18.16
$14,000
$12,177
-13.02%
$-1,823
Oct 2, 2020
$17.20
$14,500
$12,033
-17.01%
$-2,467
Nov 2, 2020
$15.75
$15,000
$11,519
-23.21%
$-3,481
Dec 2, 2020
$22.77
$15,500
$17,153
+10.67%
$1,653
Jan 4, 2021
$23.06
$16,000
$17,872
+11.70%
$1,872
Feb 2, 2021
$23.56
$16,500
$18,759
+13.69%
$2,259
Mar 2, 2021
$30.72
$17,000
$24,960
+46.82%
$7,960
Apr 5, 2021
$35.76
$17,500
$29,555
+68.89%
$12,055
May 3, 2021
$35.54
$18,000
$29,873
+65.96%
$11,873
Jun 2, 2021
$37.84
$18,500
$32,307
+74.63%
$13,807
Jul 2, 2021
$34.22
$19,000
$29,716
+56.40%
$10,716
Aug 2, 2021
$31.98
$19,500
$28,271
+44.98%
$8,771
Sep 2, 2021
$32.98
$20,000
$29,655
+48.27%
$9,655
Oct 4, 2021
$35.35
$20,500
$32,286
+57.49%
$11,786
Nov 2, 2021
$34.98
$21,000
$32,448
+54.51%
$11,448
Dec 2, 2021
$38.45
$21,500
$36,167
+68.22%
$14,667
Jan 3, 2022
$41.43
$22,000
$39,470
+79.41%
$17,470
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Frequently Asked Questions
Common questions about DCA investing in ENVA
Investing $500 per month in Enova International, Inc. (ENVA) over the past 6 years would be worth approximately $236K today. That's +392.3% total return on $48K invested, with a +28.6% compound annual growth rate (CAGR).