Dollar cost averaging (DCA) in LMND 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+106.7%
Final Value$93.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+81.3%
Final Value$81.6K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+60.3%
Final Value$72.1K
Worst possible — still beats not investing
Best vs Worst gap46.4 pp
Your timing vs best-25.4%
Your timing vs worst+21.0%
If You Keep Investing…
Based on this stock's historical CAGR of 10.7%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.2x your moneyfrom $18K invested
5 Years$39K~1.3x your moneyfrom $30K invested
10 Years$104K~1.7x your moneyfrom $60K invested
20 Years$391K~3.3x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.2x your money
5 Years~1.3x your money
10 Years~1.7x your money
20 Years~3.3x your money
$100/mo
$4K+$593 est. gain
$8K+$2K est. gain
$21K+$9K est. gain
$78K+$54K est. gain
$250/mo
$10K+$1K est. gain
$19K+$4K est. gain
$52K+$22K est. gain
$196K+$136K est. gain
$500/mo
$21K+$3K est. gain
$39K+$9K est. gain
$104K+$44K est. gain
$391K+$271K est. gain
$1,000/mo
$42K+$6K est. gain
$78K+$18K est. gain
$208K+$88K est. gain
$783K+$543K est. gain
* Projection assumes historical CAGR of 10.7% continues. Actual returns will vary.
Your DCA Results by Date
71 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jul 2, 2020
$69.41
$10,000
$10,000
+0.00%
$0
Aug 3, 2020
$56.86
$10,500
$8,692
-17.22%
$-1,808
Sep 2, 2020
$54.70
$11,000
$8,862
-19.44%
$-2,138
Oct 2, 2020
$51.58
$11,500
$8,856
-22.99%
$-2,644
Nov 2, 2020
$52.96
$12,000
$9,593
-20.06%
$-2,407
Dec 2, 2020
$66.83
$12,500
$12,606
+0.84%
$106
Jan 4, 2021
$113.36
$13,000
$21,882
+68.32%
$8,882
Feb 2, 2021
$143.44
$13,500
$28,189
+108.80%
$14,689
Mar 2, 2021
$110.45
$14,000
$22,205
+58.61%
$8,205
Apr 5, 2021
$92.05
$14,500
$19,006
+31.08%
$4,506
May 3, 2021
$86.20
$15,000
$18,298
+21.99%
$3,298
Jun 2, 2021
$99.03
$15,500
$21,522
+38.85%
$6,022
Jul 2, 2021
$107.65
$16,000
$23,895
+49.35%
$7,895
Aug 2, 2021
$88.98
$16,500
$20,251
+22.73%
$3,751
Sep 2, 2021
$79.30
$17,000
$18,548
+9.11%
$1,548
Oct 4, 2021
$61.87
$17,500
$14,971
-14.45%
$-2,529
Nov 2, 2021
$68.35
$18,000
$17,039
-5.34%
$-961
Dec 2, 2021
$47.36
$18,500
$12,307
-33.48%
$-6,193
Jan 3, 2022
$42.27
$19,000
$11,484
-39.56%
$-7,516
Feb 2, 2022
$31.44
$19,500
$9,042
-53.63%
$-10,458
Mar 2, 2022
$22.30
$20,000
$6,913
-65.43%
$-13,087
Apr 4, 2022
$28.61
$20,500
$9,369
-54.30%
$-11,131
May 2, 2022
$22.36
$21,000
$7,822
-62.75%
$-13,178
Jun 2, 2022
$21.72
$21,500
$8,099
-62.33%
$-13,401
Jul 5, 2022
$20.20
$22,000
$8,032
-63.49%
$-13,968
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Frequently Asked Questions
Common questions about DCA investing in LMND
Investing $500 per month in Lemonade, Inc. (LMND) over the past 6 years would be worth approximately $82K today. That's +81.3% total return on $45K invested, with a +10.7% compound annual growth rate (CAGR).