Dollar cost averaging (DCA) in MFIN 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+81.6%
Final Value$87.2K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+64.1%
Final Value$78.8K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+48.9%
Final Value$71.5K
Worst possible — still beats not investing
Best vs Worst gap32.7 pp
Your timing vs best-17.5%
Your timing vs worst+15.2%
If You Keep Investing…
Based on this stock's historical CAGR of 8.1%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$20K~1.1x your moneyfrom $18K invested
5 Years$37K~1.2x your moneyfrom $30K invested
10 Years$91K~1.5x your moneyfrom $60K invested
20 Years$289K~2.4x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.1x your money
5 Years~1.2x your money
10 Years~1.5x your money
20 Years~2.4x your money
$100/mo
$4K+$444 est. gain
$7K+$1K est. gain
$18K+$6K est. gain
$58K+$34K est. gain
$250/mo
$10K+$1K est. gain
$18K+$3K est. gain
$45K+$15K est. gain
$144K+$84K est. gain
$500/mo
$20K+$2K est. gain
$37K+$7K est. gain
$91K+$31K est. gain
$289K+$169K est. gain
$1,000/mo
$40K+$4K est. gain
$73K+$13K est. gain
$181K+$61K est. gain
$577K+$337K est. gain
* Projection assumes historical CAGR of 8.1% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$7.21
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$7.05
$10,500
$10,278
-2.11%
$-222
Mar 2, 2020
$5.56
$11,000
$8,606
-21.77%
$-2,394
Apr 2, 2020
$1.61
$11,500
$2,992
-73.98%
$-8,508
May 4, 2020
$2.19
$12,000
$4,570
-61.92%
$-7,430
Jun 2, 2020
$2.27
$12,500
$5,237
-58.11%
$-7,263
Jul 2, 2020
$2.73
$13,000
$6,798
-47.71%
$-6,202
Aug 3, 2020
$3.29
$13,500
$8,692
-35.61%
$-4,808
Sep 2, 2020
$2.99
$14,000
$8,400
-40.00%
$-5,600
Oct 2, 2020
$2.56
$14,500
$7,692
-46.95%
$-6,808
Nov 2, 2020
$2.67
$15,000
$8,522
-43.18%
$-6,478
Dec 2, 2020
$5.55
$15,500
$18,215
+17.52%
$2,715
Jan 4, 2021
$5.19
$16,000
$17,533
+9.58%
$1,533
Feb 2, 2021
$6.63
$16,500
$22,898
+38.78%
$6,398
Mar 2, 2021
$6.99
$17,000
$24,641
+44.95%
$7,641
Apr 5, 2021
$7.53
$17,500
$27,045
+54.54%
$9,545
May 3, 2021
$9.02
$18,000
$32,897
+82.76%
$14,897
Jun 2, 2021
$9.07
$18,500
$33,579
+81.51%
$15,079
Jul 2, 2021
$8.99
$19,000
$33,783
+77.80%
$14,783
Aug 2, 2021
$8.85
$19,500
$33,757
+73.11%
$14,257
Sep 2, 2021
$8.35
$20,000
$32,350
+61.75%
$12,350
Oct 4, 2021
$7.99
$20,500
$31,455
+53.44%
$10,955
Nov 2, 2021
$9.10
$21,000
$36,325
+72.97%
$15,325
Dec 2, 2021
$8.65
$21,500
$35,028
+62.92%
$13,528
Jan 3, 2022
$5.81
$22,000
$24,028
+9.22%
$2,028
Page 1 of 4
Frequently Asked Questions
Common questions about DCA investing in MFIN
Investing $500 per month in Medallion Financial Corp. (MFIN) over the past 6 years would be worth approximately $79K today. That's +64.1% total return on $48K invested, with a +8.1% compound annual growth rate (CAGR). This includes $10K from reinvested dividends.