Dollar cost averaging (DCA) in FITB 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+91.4%
Final Value$91.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+80.5%
Final Value$86.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+70.8%
Final Value$82.0K
Worst possible — still beats not investing
Best vs Worst gap20.6 pp
Your timing vs best-10.9%
Your timing vs worst+9.7%
If You Keep Investing…
Based on this stock's historical CAGR of 9.8%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.1x your moneyfrom $18K invested
5 Years$38K~1.3x your moneyfrom $30K invested
10 Years$99K~1.6x your moneyfrom $60K invested
20 Years$349K~2.9x 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~1.3x your money
10 Years~1.6x your money
20 Years~2.9x your money
$100/mo
$4K+$537 est. gain
$8K+$2K est. gain
$20K+$8K est. gain
$70K+$46K est. gain
$250/mo
$10K+$1K est. gain
$19K+$4K est. gain
$49K+$19K est. gain
$175K+$115K est. gain
$500/mo
$21K+$3K est. gain
$38K+$8K est. gain
$99K+$39K est. gain
$349K+$229K est. gain
$1,000/mo
$41K+$5K est. gain
$76K+$16K est. gain
$197K+$77K est. gain
$699K+$459K est. gain
* Projection assumes historical CAGR of 9.8% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$31.02
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$28.98
$10,500
$9,842
-6.26%
$-658
Mar 2, 2020
$25.72
$11,000
$9,235
-16.04%
$-1,765
Apr 2, 2020
$14.28
$11,500
$5,715
-50.31%
$-5,785
May 4, 2020
$17.64
$12,000
$7,559
-37.01%
$-4,441
Jun 2, 2020
$20.21
$12,500
$9,161
-26.71%
$-3,339
Jul 2, 2020
$18.57
$13,000
$9,039
-30.47%
$-3,961
Aug 3, 2020
$19.64
$13,500
$10,059
-25.49%
$-3,441
Sep 2, 2020
$21.29
$14,000
$11,404
-18.54%
$-2,596
Oct 2, 2020
$21.89
$14,500
$12,376
-14.65%
$-2,124
Nov 2, 2020
$24.11
$15,000
$14,132
-5.79%
$-868
Dec 2, 2020
$26.59
$15,500
$16,085
+3.78%
$585
Jan 4, 2021
$27.23
$16,000
$17,135
+7.10%
$1,135
Feb 2, 2021
$30.32
$16,500
$19,580
+18.67%
$3,080
Mar 2, 2021
$36.15
$17,000
$23,845
+40.26%
$6,845
Apr 5, 2021
$38.23
$17,500
$25,895
+47.97%
$8,395
May 3, 2021
$40.47
$18,000
$27,913
+55.07%
$9,913
Jun 2, 2021
$42.16
$18,500
$29,578
+59.88%
$11,078
Jul 2, 2021
$38.44
$19,000
$27,660
+45.58%
$8,660
Aug 2, 2021
$36.08
$19,500
$26,461
+35.70%
$6,961
Sep 2, 2021
$38.69
$20,000
$28,876
+44.38%
$8,876
Oct 4, 2021
$43.51
$20,500
$33,198
+61.94%
$12,698
Nov 2, 2021
$44.00
$21,000
$34,072
+62.25%
$13,072
Dec 2, 2021
$43.94
$21,500
$34,525
+60.58%
$13,025
Jan 3, 2022
$44.67
$22,000
$35,840
+62.91%
$13,840
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Frequently Asked Questions
Common questions about DCA investing in FITB
Investing $500 per month in Fifth Third Bancorp (FITB) over the past 6 years would be worth approximately $87K today. That's +80.5% total return on $48K invested, with a +9.8% compound annual growth rate (CAGR). This includes $9K from reinvested dividends.