Dollar cost averaging (DCA) in IRD 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+320.1%
Final Value$84.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+297.8%
Final Value$77.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+272.1%
Final Value$74.4K
Worst possible — still beats not investing
Best vs Worst gap48.0 pp
Your timing vs best-22.4%
Your timing vs worst+25.6%
If You Keep Investing…
Based on this stock's historical CAGR of 135.4%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$81K~4.5x your moneyfrom $18K invested
5 Years$482K~16.1x your moneyfrom $30K invested
10 Years$35.3M~589.1x your moneyfrom $60K invested
20 Years$184850.1M~1540417.7x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~4.5x your money
5 Years~16.1x your money
10 Years~589.1x your money
20 Years~1540417.7x your money
$100/mo
$16K+$13K est. gain
$96K+$90K est. gain
$7.1M+$7.1M est. gain
$36970.0M+$36970.0M est. gain
$250/mo
$41K+$32K est. gain
$241K+$226K est. gain
$17.7M+$17.6M est. gain
$92425.1M+$92425.0M est. gain
$500/mo
$81K+$63K est. gain
$482K+$452K est. gain
$35.3M+$35.3M est. gain
$184850.1M+$184850.0M est. gain
$1,000/mo
$163K+$127K est. gain
$964K+$904K est. gain
$70.7M+$70.6M est. gain
$369700.2M+$369700.0M est. gain
* Projection assumes historical CAGR of 135.4% continues. Actual returns will vary.
Your DCA Results by Date
20 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Sep 25, 2024
$1.29
$10,000
$10,000
+0.00%
$0
Oct 25, 2024
$1.17
$10,500
$9,570
-8.86%
$-930
Nov 25, 2024
$1.10
$11,000
$9,497
-13.66%
$-1,503
Dec 26, 2024
$1.08
$11,500
$9,825
-14.57%
$-1,675
Jan 27, 2025
$1.17
$12,000
$11,143
-7.14%
$-857
Feb 25, 2025
$1.04
$12,500
$10,405
-16.76%
$-2,095
Mar 25, 2025
$1.13
$13,000
$11,806
-9.19%
$-1,194
Apr 25, 2025
$0.84
$13,500
$9,278
-31.27%
$-4,222
May 27, 2025
$1.02
$14,000
$11,763
-15.98%
$-2,237
Jun 25, 2025
$0.97
$14,500
$11,689
-19.39%
$-2,811
Jul 25, 2025
$1.18
$15,000
$14,717
-1.89%
$-283
Aug 25, 2025
$1.15
$15,500
$14,843
-4.24%
$-657
Sep 25, 2025
$1.72
$16,000
$22,699
+41.87%
$6,699
Oct 27, 2025
$2.00
$16,500
$26,895
+63.00%
$10,395
Nov 25, 2025
$1.98
$17,000
$27,126
+59.56%
$10,126
Dec 26, 2025
$2.02
$17,500
$28,174
+60.99%
$10,674
Jan 26, 2026
$2.81
$18,000
$39,692
+120.51%
$21,692
Feb 25, 2026
$3.50
$18,500
$49,938
+169.94%
$31,438
Mar 25, 2026
$4.75
$19,000
$68,273
+259.33%
$49,273
Apr 27, 2026
$5.12
$19,500
$74,092
+279.96%
$54,592
Frequently Asked Questions
Common questions about DCA investing in IRD
Investing $500 per month in Opus Genetics, Inc. (IRD) over the past 2 years would be worth approximately $78K today. That's +297.8% total return on $20K invested, with a +135.4% compound annual growth rate (CAGR).