Dollar cost averaging (DCA) in MTB-PJ 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+13.8%
Final Value$25.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+13.4%
Final Value$24.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+12.3%
Final Value$24.7K
Worst possible — still beats not investing
Best vs Worst gap1.4 pp
Your timing vs best-0.4%
Your timing vs worst+1.1%
If You Keep Investing…
Based on this stock's historical CAGR of 6.5%/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$35K~1.2x your moneyfrom $30K invested
10 Years$83K~1.4x your moneyfrom $60K invested
20 Years$240K~2.0x 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~1.4x your money
20 Years~2.0x your money
$100/mo
$4K+$353 est. gain
$7K+$1K est. gain
$17K+$5K est. gain
$48K+$24K est. gain
$250/mo
$10K+$882 est. gain
$18K+$3K est. gain
$42K+$12K est. gain
$120K+$60K est. gain
$500/mo
$20K+$2K est. gain
$35K+$5K est. gain
$83K+$23K est. gain
$240K+$120K est. gain
$1,000/mo
$40K+$4K est. gain
$70K+$10K est. gain
$167K+$47K est. gain
$480K+$240K est. gain
* Projection assumes historical CAGR of 6.5% continues. Actual returns will vary.
Your DCA Results by Date
24 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
May 7, 2024
$25.13
$10,000
$10,000
+0.00%
$0
Jun 7, 2024
$25.70
$10,500
$10,727
+2.16%
$227
Jul 8, 2024
$26.06
$11,000
$11,377
+3.43%
$377
Aug 7, 2024
$26.21
$11,500
$11,943
+3.85%
$443
Sep 9, 2024
$27.25
$12,000
$13,214
+10.12%
$1,214
Oct 7, 2024
$27.58
$12,500
$13,874
+10.99%
$1,374
Nov 7, 2024
$27.45
$13,000
$14,309
+10.07%
$1,309
Dec 9, 2024
$26.96
$13,500
$14,797
+9.61%
$1,297
Jan 7, 2025
$26.62
$14,000
$15,111
+7.93%
$1,111
Feb 7, 2025
$26.87
$14,500
$15,753
+8.64%
$1,253
Mar 7, 2025
$26.56
$15,000
$16,344
+8.96%
$1,344
Apr 7, 2025
$25.45
$15,500
$16,161
+4.27%
$661
May 7, 2025
$26.61
$16,000
$17,398
+8.74%
$1,398
Jun 9, 2025
$26.01
$16,500
$17,816
+7.98%
$1,316
Jul 7, 2025
$26.58
$17,000
$18,706
+10.04%
$1,706
Aug 7, 2025
$26.93
$17,500
$19,453
+11.16%
$1,953
Sep 8, 2025
$26.92
$18,000
$20,287
+12.70%
$2,287
Oct 7, 2025
$27.13
$18,500
$20,945
+13.21%
$2,445
Nov 7, 2025
$26.68
$19,000
$21,097
+11.04%
$2,097
Dec 8, 2025
$26.38
$19,500
$21,733
+11.45%
$2,233
Jan 7, 2026
$26.68
$20,000
$22,480
+12.40%
$2,480
Feb 9, 2026
$26.94
$20,500
$23,199
+13.17%
$2,699
Mar 9, 2026
$26.32
$21,000
$23,566
+12.22%
$2,566
Apr 7, 2026
$25.85
$21,500
$23,645
+9.98%
$2,145
Frequently Asked Questions
Common questions about DCA investing in MTB-PJ
Investing $500 per month in M&T Bank Corporation (MTB-PJ) over the past 2 years would be worth approximately $24K today. That's +13.4% total return on $22K invested, with a +6.5% compound annual growth rate (CAGR). This includes $2K from reinvested dividends.