Dollar cost averaging (DCA) in EXFY 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-65.8%
Final Value$12.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-70.7%
Final Value$10.7K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-73.2%
Final Value$9.9K
Worst possible — still beats not investing
Best vs Worst gap7.4 pp
Your timing vs best-4.9%
Your timing vs worst+2.5%
If You Keep Investing…
Based on this stock's historical CAGR of -23.9%/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+$0 est. gain
* Projection assumes historical CAGR of -23.9% continues. Actual returns will vary.
Your DCA Results by Date
54 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Nov 10, 2021
$41.06
$10,000
$10,000
+0.00%
$0
Dec 10, 2021
$36.36
$10,500
$9,355
-10.90%
$-1,145
Jan 10, 2022
$31.92
$11,000
$8,713
-20.79%
$-2,287
Feb 10, 2022
$27.37
$11,500
$7,971
-30.69%
$-3,529
Mar 10, 2022
$19.08
$12,000
$6,057
-49.53%
$-5,943
Apr 11, 2022
$17.82
$12,500
$6,157
-50.75%
$-6,343
May 10, 2022
$14.37
$13,000
$5,465
-57.96%
$-7,535
Jun 10, 2022
$19.24
$13,500
$7,817
-42.10%
$-5,683
Jul 11, 2022
$19.07
$14,000
$8,248
-41.09%
$-5,752
Aug 10, 2022
$23.54
$14,500
$10,681
-26.34%
$-3,819
Sep 12, 2022
$17.62
$15,000
$8,495
-43.37%
$-6,505
Oct 10, 2022
$14.58
$15,500
$7,529
-51.42%
$-7,971
Nov 10, 2022
$12.95
$16,000
$7,187
-55.08%
$-8,813
Dec 12, 2022
$9.56
$16,500
$5,806
-64.81%
$-10,694
Jan 10, 2023
$9.31
$17,000
$6,154
-63.80%
$-10,846
Feb 10, 2023
$9.41
$17,500
$6,720
-61.60%
$-10,780
Mar 10, 2023
$7.65
$18,000
$5,963
-66.87%
$-12,037
Apr 10, 2023
$7.80
$18,500
$6,580
-64.43%
$-11,920
May 10, 2023
$5.91
$19,000
$5,486
-71.13%
$-13,514
Jun 12, 2023
$6.72
$19,500
$6,738
-65.45%
$-12,762
Jul 10, 2023
$7.76
$20,000
$8,280
-58.60%
$-11,720
Aug 10, 2023
$4.50
$20,500
$5,302
-74.14%
$-15,198
Sep 11, 2023
$3.86
$21,000
$5,048
-75.96%
$-15,952
Oct 10, 2023
$3.37
$21,500
$4,907
-77.18%
$-16,593
Nov 10, 2023
$2.10
$22,000
$3,558
-83.83%
$-18,442
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Frequently Asked Questions
Common questions about DCA investing in EXFY
Investing $500 per month in Expensify, Inc. (EXFY) over the past 4 years would be worth approximately $11K today. That's -70.7% total return on $37K invested, with a -23.9% compound annual growth rate (CAGR).