Dollar cost averaging (DCA) in MASS 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+1.2%
Final Value$43.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-13.1%
Final Value$36.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-25.4%
Final Value$31.7K
Worst possible — still beats not investing
Best vs Worst gap26.6 pp
Your timing vs best-14.3%
Your timing vs worst+12.3%
If You Keep Investing…
Based on this stock's historical CAGR of -2.6%/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+$0 est. gain
* Projection assumes historical CAGR of -2.6% continues. Actual returns will vary.
Your DCA Results by Date
65 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Dec 18, 2020
$49.00
$10,000
$10,000
+0.00%
$0
Jan 19, 2021
$64.90
$10,500
$13,745
+30.90%
$3,245
Feb 18, 2021
$64.20
$11,000
$14,097
+28.15%
$3,097
Mar 18, 2021
$49.38
$11,500
$11,343
-1.37%
$-157
Apr 19, 2021
$51.13
$12,000
$12,245
+2.04%
$245
May 18, 2021
$37.57
$12,500
$9,497
-24.02%
$-3,003
Jun 18, 2021
$40.00
$13,000
$10,611
-18.37%
$-2,389
Jul 19, 2021
$32.19
$13,500
$9,040
-33.04%
$-4,460
Aug 18, 2021
$30.77
$14,000
$9,141
-34.71%
$-4,859
Sep 20, 2021
$35.33
$14,500
$10,995
-24.17%
$-3,505
Oct 18, 2021
$32.45
$15,000
$10,599
-29.34%
$-4,401
Nov 18, 2021
$27.00
$15,500
$9,319
-39.88%
$-6,181
Dec 20, 2021
$25.56
$16,000
$9,322
-41.74%
$-6,678
Jan 18, 2022
$16.82
$16,500
$6,634
-59.79%
$-9,866
Feb 18, 2022
$13.19
$17,000
$5,703
-66.46%
$-11,297
Mar 18, 2022
$19.76
$17,500
$9,043
-48.33%
$-8,457
Apr 18, 2022
$19.04
$18,000
$9,214
-48.81%
$-8,786
May 18, 2022
$15.21
$18,500
$7,860
-57.51%
$-10,640
Jun 21, 2022
$15.10
$19,000
$8,303
-56.30%
$-10,697
Jul 18, 2022
$17.55
$19,500
$10,151
-47.95%
$-9,349
Aug 18, 2022
$19.19
$20,000
$11,599
-42.00%
$-8,401
Sep 19, 2022
$16.81
$20,500
$10,661
-48.00%
$-9,839
Oct 18, 2022
$15.44
$21,000
$10,292
-50.99%
$-10,708
Nov 18, 2022
$9.90
$21,500
$7,099
-66.98%
$-14,401
Dec 19, 2022
$8.21
$22,000
$6,387
-70.97%
$-15,613
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Frequently Asked Questions
Common questions about DCA investing in MASS
Investing $500 per month in 908 Devices Inc. (MASS) over the past 5 years would be worth approximately $36K today. That's -13.1% total return on $42K invested, with a -2.6% compound annual growth rate (CAGR).