Dollar cost averaging (DCA) in NBN 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+314.7%
Final Value$201.1K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+293.2%
Final Value$190.7K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+269.7%
Final Value$179.3K
Worst possible — still beats not investing
Best vs Worst gap45.0 pp
Your timing vs best-21.5%
Your timing vs worst+23.5%
If You Keep Investing…
Based on this stock's historical CAGR of 23.7%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$25K~1.4x your moneyfrom $18K invested
5 Years$53K~1.8x your moneyfrom $30K invested
10 Years$206K~3.4x your moneyfrom $60K invested
20 Years$1.9M~16.1x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.4x your money
5 Years~1.8x your money
10 Years~3.4x your money
20 Years~16.1x your money
$100/mo
$5K+$1K est. gain
$11K+$5K est. gain
$41K+$29K est. gain
$387K+$363K est. gain
$250/mo
$12K+$3K est. gain
$26K+$11K est. gain
$103K+$73K est. gain
$967K+$907K est. gain
$500/mo
$25K+$7K est. gain
$53K+$23K est. gain
$206K+$146K est. gain
$1.9M+$1.8M est. gain
$1,000/mo
$50K+$14K est. gain
$106K+$46K est. gain
$413K+$293K est. gain
$3.9M+$3.6M est. gain
* Projection assumes historical CAGR of 23.7% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$22.00
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$20.11
$10,500
$9,641
-8.18%
$-859
Mar 2, 2020
$18.98
$11,000
$9,604
-12.69%
$-1,396
Apr 1, 2020
$10.27
$11,500
$5,696
-50.47%
$-5,804
May 1, 2020
$16.10
$12,000
$9,430
-21.41%
$-2,570
Jun 1, 2020
$16.82
$12,500
$10,358
-17.13%
$-2,142
Jul 1, 2020
$17.36
$13,000
$11,191
-13.92%
$-1,809
Aug 3, 2020
$18.32
$13,500
$12,310
-8.82%
$-1,190
Sep 1, 2020
$18.91
$14,000
$13,213
-5.62%
$-787
Oct 1, 2020
$18.36
$14,500
$13,329
-8.08%
$-1,171
Nov 2, 2020
$20.18
$15,000
$15,150
+1.00%
$150
Dec 2, 2020
$22.21
$15,500
$17,182
+10.85%
$1,682
Jan 4, 2021
$22.75
$16,000
$18,100
+13.12%
$2,100
Feb 2, 2021
$26.00
$16,500
$21,185
+28.40%
$4,685
Mar 2, 2021
$25.61
$17,000
$21,375
+25.74%
$4,375
Apr 1, 2021
$27.13
$17,500
$23,144
+32.25%
$5,644
May 3, 2021
$28.75
$18,000
$25,026
+39.03%
$7,026
Jun 1, 2021
$29.60
$18,500
$26,275
+42.02%
$7,775
Jul 1, 2021
$29.88
$19,000
$27,023
+42.23%
$8,023
Aug 2, 2021
$31.99
$19,500
$29,431
+50.93%
$9,931
Sep 1, 2021
$32.97
$20,000
$30,842
+54.21%
$10,842
Oct 1, 2021
$34.29
$20,500
$32,576
+58.91%
$12,076
Nov 2, 2021
$32.50
$21,000
$31,376
+49.41%
$10,376
Dec 2, 2021
$33.78
$21,500
$33,121
+54.05%
$11,621
Jan 3, 2022
$36.15
$22,000
$35,945
+63.38%
$13,945
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Frequently Asked Questions
Common questions about DCA investing in NBN
Investing $500 per month in Northeast Bank (NBN) over the past 6 years would be worth approximately $191K today. That's +293.2% total return on $49K invested, with a +23.7% compound annual growth rate (CAGR). This includes $291 from reinvested dividends.