Dollar cost averaging (DCA) in HCTI 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-84.8%
Final Value$5.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-97.0%
Final Value$1.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-96.2%
Final Value$1.4K
Worst possible — still beats not investing
Best vs Worst gap11.3 pp
Your timing vs best-12.2%
Your timing vs worst-0.8%
If You Keep Investing…
Based on this stock's historical CAGR of -53.6%/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+$0 est. gain
* Projection assumes historical CAGR of -53.6% continues. Actual returns will vary.
Your DCA Results by Date
55 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Oct 13, 2021
$532,162.80
$10,000
$10,000
+0.00%
$0
Nov 15, 2021
$380,970.00
$10,500
$7,659
-27.06%
$-2,841
Dec 13, 2021
$325,990.80
$11,000
$7,054
-35.88%
$-3,946
Jan 13, 2022
$253,382.40
$11,500
$5,983
-47.98%
$-5,517
Feb 14, 2022
$179,280.00
$12,000
$4,733
-60.56%
$-7,267
Mar 14, 2022
$140,734.80
$12,500
$4,215
-66.28%
$-8,285
Apr 13, 2022
$174,499.20
$13,000
$5,727
-55.95%
$-7,273
May 13, 2022
$96,213.60
$13,500
$3,658
-72.91%
$-9,842
Jun 13, 2022
$131,770.80
$14,000
$5,509
-60.65%
$-8,491
Jul 13, 2022
$130,276.80
$14,500
$5,947
-58.99%
$-8,553
Aug 15, 2022
$109,360.80
$15,000
$5,492
-63.39%
$-9,508
Sep 13, 2022
$75,596.40
$15,500
$4,296
-72.28%
$-11,204
Oct 13, 2022
$50,347.80
$16,000
$3,361
-78.99%
$-12,639
Nov 14, 2022
$22,858.20
$16,500
$2,026
-87.72%
$-14,474
Dec 13, 2022
$35,557.20
$17,000
$3,652
-78.52%
$-13,348
Jan 13, 2023
$32,569.20
$17,500
$3,845
-78.03%
$-13,655
Feb 13, 2023
$34,063.20
$18,000
$4,521
-74.88%
$-13,479
Mar 13, 2023
$47,359.80
$18,500
$6,786
-63.32%
$-11,714
Apr 13, 2023
$44,371.80
$19,000
$6,858
-63.91%
$-12,142
May 15, 2023
$41,383.80
$19,500
$6,896
-64.64%
$-12,604
Jun 13, 2023
$46,314.00
$20,000
$8,218
-58.91%
$-11,782
Jul 13, 2023
$63,644.40
$20,500
$11,793
-42.47%
$-8,707
Aug 14, 2023
$52,588.80
$21,000
$10,244
-51.22%
$-10,756
Sep 13, 2023
$62,150.40
$21,500
$12,607
-41.36%
$-8,893
Oct 13, 2023
$59,013.00
$22,000
$12,470
-43.32%
$-9,530
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Frequently Asked Questions
Common questions about DCA investing in HCTI
Investing $500 per month in Healthcare Triangle, Inc. (HCTI) over the past 5 years would be worth approximately $1K today. That's -97.0% total return on $37K invested, with a -53.6% compound annual growth rate (CAGR).