Dollar cost averaging (DCA) in FINW 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+18.3%
Final Value$43.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+12.2%
Final Value$41.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+7.0%
Final Value$39.6K
Worst possible — still beats not investing
Best vs Worst gap11.4 pp
Your timing vs best-6.1%
Your timing vs worst+5.2%
If You Keep Investing…
Based on this stock's historical CAGR of 2.6%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$19K~1.0x your moneyfrom $18K invested
5 Years$32K~1.1x your moneyfrom $30K invested
10 Years$68K~1.1x your moneyfrom $60K invested
20 Years$157K~1.3x 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~1.1x your money
10 Years~1.1x your money
20 Years~1.3x your money
$100/mo
$4K+$139 est. gain
$6K+$398 est. gain
$14K+$2K est. gain
$31K+$7K est. gain
$250/mo
$9K+$348 est. gain
$16K+$995 est. gain
$34K+$4K est. gain
$78K+$18K est. gain
$500/mo
$19K+$696 est. gain
$32K+$2K est. gain
$68K+$8K est. gain
$157K+$37K est. gain
$1,000/mo
$37K+$1K est. gain
$64K+$4K est. gain
$137K+$17K est. gain
$314K+$74K est. gain
* Projection assumes historical CAGR of 2.6% continues. Actual returns will vary.
Your DCA Results by Date
54 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Nov 19, 2021
$12.73
$10,000
$10,000
+0.00%
$0
Dec 20, 2021
$13.24
$10,500
$10,901
+3.82%
$401
Jan 19, 2022
$16.85
$11,000
$14,373
+30.66%
$3,373
Feb 22, 2022
$19.24
$11,500
$16,911
+47.06%
$5,411
Mar 21, 2022
$17.52
$12,000
$15,900
+32.50%
$3,900
Apr 19, 2022
$17.60
$12,500
$16,472
+31.78%
$3,972
May 19, 2022
$13.10
$13,000
$12,761
-1.84%
$-239
Jun 21, 2022
$11.31
$13,500
$11,517
-14.69%
$-1,983
Jul 19, 2022
$9.21
$14,000
$9,879
-29.44%
$-4,121
Aug 19, 2022
$10.93
$14,500
$12,223
-15.70%
$-2,277
Sep 19, 2022
$9.81
$15,000
$11,471
-23.53%
$-3,529
Oct 19, 2022
$8.72
$15,500
$10,696
-30.99%
$-4,804
Nov 21, 2022
$9.77
$16,000
$12,484
-21.97%
$-3,516
Dec 19, 2022
$9.67
$16,500
$12,856
-22.08%
$-3,644
Jan 19, 2023
$8.99
$17,000
$12,452
-26.75%
$-4,548
Feb 21, 2023
$9.45
$17,500
$13,590
-22.35%
$-3,910
Mar 20, 2023
$8.89
$18,000
$13,284
-26.20%
$-4,716
Apr 19, 2023
$8.87
$18,500
$13,754
-25.65%
$-4,746
May 19, 2023
$7.88
$19,000
$12,719
-33.06%
$-6,281
Jun 20, 2023
$8.95
$19,500
$14,946
-23.35%
$-4,554
Jul 19, 2023
$8.77
$20,000
$15,137
-24.31%
$-4,863
Aug 21, 2023
$10.27
$20,500
$18,237
-11.04%
$-2,263
Sep 19, 2023
$9.05
$21,000
$16,570
-21.09%
$-4,430
Oct 19, 2023
$8.70
$21,500
$16,429
-23.58%
$-5,071
Nov 20, 2023
$11.00
$22,000
$21,273
-3.31%
$-727
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Frequently Asked Questions
Common questions about DCA investing in FINW
Investing $500 per month in FinWise Bancorp (FINW) over the past 4 years would be worth approximately $41K today. That's +12.2% total return on $37K invested, with a +2.6% compound annual growth rate (CAGR).