Dollar cost averaging (DCA) in MBIN 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+143.3%
Final Value$116.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+133.3%
Final Value$112.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+121.2%
Final Value$106.2K
Worst possible — still beats not investing
Best vs Worst gap22.1 pp
Your timing vs best-10.0%
Your timing vs worst+12.1%
If You Keep Investing…
Based on this stock's historical CAGR of 14.3%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$22K~1.2x your moneyfrom $18K invested
5 Years$42K~1.4x your moneyfrom $30K invested
10 Years$125K~2.1x your moneyfrom $60K invested
20 Years$601K~5.0x 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~1.4x your money
10 Years~2.1x your money
20 Years~5.0x your money
$100/mo
$4K+$804 est. gain
$8K+$2K est. gain
$25K+$13K est. gain
$120K+$96K est. gain
$250/mo
$11K+$2K est. gain
$21K+$6K est. gain
$63K+$33K est. gain
$301K+$241K est. gain
$500/mo
$22K+$4K est. gain
$42K+$12K est. gain
$125K+$65K est. gain
$601K+$481K est. gain
$1,000/mo
$44K+$8K est. gain
$85K+$25K est. gain
$250K+$130K est. gain
$1.2M+$963K est. gain
* Projection assumes historical CAGR of 14.3% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$12.91
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$13.31
$10,500
$10,810
+2.95%
$310
Mar 2, 2020
$12.58
$11,000
$10,717
-2.57%
$-283
Apr 2, 2020
$9.11
$11,500
$8,304
-27.79%
$-3,196
May 4, 2020
$10.19
$12,000
$9,789
-18.43%
$-2,211
Jun 2, 2020
$11.19
$12,500
$11,250
-10.00%
$-1,250
Jul 2, 2020
$11.82
$13,000
$12,441
-4.30%
$-559
Aug 3, 2020
$12.58
$13,500
$13,740
+1.78%
$240
Sep 2, 2020
$13.67
$14,000
$15,431
+10.22%
$1,431
Oct 2, 2020
$13.38
$14,500
$15,662
+8.02%
$1,162
Nov 2, 2020
$14.87
$15,000
$17,907
+19.38%
$2,907
Dec 2, 2020
$17.75
$15,500
$21,875
+41.13%
$6,375
Jan 4, 2021
$18.55
$16,000
$23,426
+46.41%
$7,426
Feb 2, 2021
$21.58
$16,500
$27,753
+68.20%
$11,253
Mar 2, 2021
$24.41
$17,000
$31,892
+87.60%
$14,892
Apr 5, 2021
$28.55
$17,500
$37,878
+116.45%
$20,378
May 3, 2021
$28.69
$18,000
$38,564
+114.25%
$20,564
Jun 2, 2021
$28.22
$18,500
$38,432
+107.74%
$19,932
Jul 2, 2021
$26.44
$19,000
$36,587
+92.56%
$17,587
Aug 2, 2021
$23.64
$19,500
$33,213
+70.32%
$13,713
Sep 2, 2021
$24.48
$20,000
$34,893
+74.46%
$14,893
Oct 4, 2021
$27.35
$20,500
$39,581
+93.08%
$19,081
Nov 2, 2021
$30.97
$21,000
$45,320
+115.81%
$24,320
Dec 2, 2021
$30.85
$21,500
$45,644
+112.30%
$24,144
Jan 3, 2022
$31.31
$22,000
$46,920
+113.27%
$24,920
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Frequently Asked Questions
Common questions about DCA investing in MBIN
Investing $500 per month in Merchants Bancorp (MBIN) over the past 6 years would be worth approximately $112K today. That's +133.3% total return on $48K invested, with a +14.3% compound annual growth rate (CAGR). This includes $4K from reinvested dividends.