Dollar cost averaging (DCA) in ISPC 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-75.2%
Final Value$9.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-94.5%
Final Value$2.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-94.5%
Final Value$2.2K
Worst possible — still beats not investing
Best vs Worst gap19.3 pp
Your timing vs best-19.3%
Your timing vs worst+0.0%
If You Keep Investing…
Based on this stock's historical CAGR of -44.7%/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+$0 est. gain
* Projection assumes historical CAGR of -44.7% continues. Actual returns will vary.
Your DCA Results by Date
59 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jun 17, 2021
$5,720.00
$10,000
$10,000
+0.00%
$0
Jul 19, 2021
$4,192.00
$10,500
$7,829
-25.44%
$-2,671
Aug 17, 2021
$4,491.20
$11,000
$8,887
-19.21%
$-2,113
Sep 17, 2021
$4,704.00
$11,500
$9,809
-14.71%
$-1,691
Oct 18, 2021
$5,456.00
$12,000
$11,877
-1.03%
$-123
Nov 17, 2021
$3,840.00
$12,500
$8,859
-29.13%
$-3,641
Dec 17, 2021
$9,136.00
$13,000
$21,577
+65.97%
$8,577
Jan 18, 2022
$4,536.00
$13,500
$11,213
-16.94%
$-2,287
Feb 17, 2022
$3,440.00
$14,000
$9,004
-35.69%
$-4,996
Mar 17, 2022
$3,376.00
$14,500
$9,336
-35.61%
$-5,164
Apr 18, 2022
$2,808.00
$15,000
$8,265
-44.90%
$-6,735
May 17, 2022
$2,024.00
$15,500
$6,458
-58.34%
$-9,042
Jun 17, 2022
$1,968.00
$16,000
$6,779
-57.63%
$-9,221
Jul 18, 2022
$1,984.00
$16,500
$7,334
-55.55%
$-9,166
Aug 17, 2022
$1,872.00
$17,000
$7,420
-56.35%
$-9,580
Sep 19, 2022
$1,576.00
$17,500
$6,747
-61.45%
$-10,753
Oct 17, 2022
$1,248.00
$18,000
$5,843
-67.54%
$-12,157
Nov 17, 2022
$1,280.00
$18,500
$6,492
-64.91%
$-12,008
Dec 19, 2022
$1,040.00
$19,000
$5,775
-69.60%
$-13,225
Jan 17, 2023
$1,296.00
$19,500
$7,697
-60.53%
$-11,803
Feb 17, 2023
$1,400.00
$20,000
$8,814
-55.93%
$-11,186
Mar 17, 2023
$984.00
$20,500
$6,695
-67.34%
$-13,805
Apr 17, 2023
$1,304.00
$21,000
$9,372
-55.37%
$-11,628
May 17, 2023
$1,152.00
$21,500
$8,780
-59.16%
$-12,720
Jun 20, 2023
$1,144.00
$22,000
$9,219
-58.10%
$-12,781
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Frequently Asked Questions
Common questions about DCA investing in ISPC
Investing $500 per month in iSpecimen Inc. (ISPC) over the past 5 years would be worth approximately $2K today. That's -94.5% total return on $39K invested, with a -44.7% compound annual growth rate (CAGR).