Dollar cost averaging (DCA) in NSTS 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+17.4%
Final Value$42.3K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+15.1%
Final Value$40.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+12.5%
Final Value$40.5K
Worst possible — still beats not investing
Best vs Worst gap4.9 pp
Your timing vs best-2.2%
Your timing vs worst+2.6%
If You Keep Investing…
Based on this stock's historical CAGR of 3.3%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$19K~1.0x your moneyfrom $18K invested
5 Years$33K~1.1x your moneyfrom $30K invested
10 Years$71K~1.2x your moneyfrom $60K invested
20 Years$169K~1.4x 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~1.1x your money
10 Years~1.2x your money
20 Years~1.4x your money
$100/mo
$4K+$178 est. gain
$7K+$512 est. gain
$14K+$2K est. gain
$34K+$10K est. gain
$250/mo
$9K+$446 est. gain
$16K+$1K est. gain
$35K+$5K est. gain
$85K+$25K est. gain
$500/mo
$19K+$891 est. gain
$33K+$3K est. gain
$71K+$11K est. gain
$169K+$49K est. gain
$1,000/mo
$38K+$2K est. gain
$65K+$5K est. gain
$142K+$22K est. gain
$339K+$99K est. gain
* Projection assumes historical CAGR of 3.3% continues. Actual returns will vary.
Your DCA Results by Date
52 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 19, 2022
$12.59
$10,000
$10,000
+0.00%
$0
Feb 22, 2022
$12.49
$10,500
$10,421
-0.76%
$-79
Mar 21, 2022
$12.18
$11,000
$10,662
-3.07%
$-338
Apr 19, 2022
$12.06
$11,500
$11,057
-3.85%
$-443
May 19, 2022
$10.75
$12,000
$10,356
-13.70%
$-1,644
Jun 21, 2022
$11.37
$12,500
$11,453
-8.38%
$-1,047
Jul 19, 2022
$11.19
$13,000
$11,772
-9.45%
$-1,228
Aug 19, 2022
$11.03
$13,500
$12,103
-10.34%
$-1,397
Sep 19, 2022
$11.12
$14,000
$12,702
-9.27%
$-1,298
Oct 19, 2022
$10.87
$14,500
$12,917
-10.92%
$-1,583
Nov 21, 2022
$10.03
$15,000
$12,419
-17.21%
$-2,581
Dec 19, 2022
$10.10
$15,500
$13,005
-16.10%
$-2,495
Jan 19, 2023
$10.42
$16,000
$13,917
-13.02%
$-2,083
Feb 21, 2023
$10.45
$16,500
$14,457
-12.38%
$-2,043
Mar 20, 2023
$9.52
$17,000
$13,671
-19.58%
$-3,329
Apr 19, 2023
$8.93
$17,500
$13,323
-23.87%
$-4,177
May 19, 2023
$8.70
$18,000
$13,473
-25.15%
$-4,527
Jun 20, 2023
$9.06
$18,500
$14,538
-21.41%
$-3,962
Jul 19, 2023
$9.14
$19,000
$15,167
-20.17%
$-3,833
Aug 21, 2023
$8.95
$19,500
$15,351
-21.27%
$-4,149
Sep 19, 2023
$9.06
$20,000
$16,040
-19.80%
$-3,960
Oct 19, 2023
$8.76
$20,500
$16,009
-21.91%
$-4,491
Nov 20, 2023
$8.87
$21,000
$16,710
-20.43%
$-4,290
Dec 19, 2023
$9.23
$21,500
$17,888
-16.80%
$-3,612
Jan 19, 2024
$9.55
$22,000
$19,008
-13.60%
$-2,992
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Frequently Asked Questions
Common questions about DCA investing in NSTS
Investing $500 per month in NSTS Bancorp, Inc. (NSTS) over the past 4 years would be worth approximately $41K today. That's +15.1% total return on $36K invested, with a +3.3% compound annual growth rate (CAGR).