Dollar cost averaging (DCA) in NTB 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.
More NTB Analysis
NTB DCA Calculator
Dollar Cost Averaging — The Bank of N.T. Butterfield & Son Limited
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+113.4%
Final Value$102.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+102.9%
Final Value$97.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+91.7%
Final Value$92.0K
Worst possible — still beats not investing
Best vs Worst gap21.7 pp
Your timing vs best-10.6%
Your timing vs worst+11.1%
If You Keep Investing…
Based on this stock's historical CAGR of 11.8%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.2x your moneyfrom $18K invested
5 Years$40K~1.3x your moneyfrom $30K invested
10 Years$110K~1.8x your moneyfrom $60K invested
20 Years$445K~3.7x 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~1.3x your money
10 Years~1.8x your money
20 Years~3.7x your money
$100/mo
$4K+$655 est. gain
$8K+$2K est. gain
$22K+$10K est. gain
$89K+$65K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$55K+$25K est. gain
$222K+$162K est. gain
$500/mo
$21K+$3K est. gain
$40K+$10K est. gain
$110K+$50K est. gain
$445K+$325K est. gain
$1,000/mo
$43K+$7K est. gain
$80K+$20K est. gain
$220K+$100K est. gain
$889K+$649K est. gain
* Projection assumes historical CAGR of 11.8% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$37.42
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$33.37
$10,500
$9,418
-10.31%
$-1,082
Mar 2, 2020
$29.06
$11,000
$8,821
-19.81%
$-2,179
Apr 2, 2020
$16.57
$11,500
$5,530
-51.92%
$-5,970
May 4, 2020
$21.83
$12,000
$7,785
-35.13%
$-4,215
Jun 2, 2020
$23.45
$12,500
$9,054
-27.57%
$-3,446
Jul 2, 2020
$23.54
$13,000
$9,589
-26.24%
$-3,411
Aug 3, 2020
$26.41
$13,500
$11,258
-16.61%
$-2,242
Sep 2, 2020
$25.52
$14,000
$11,567
-17.38%
$-2,433
Oct 2, 2020
$23.47
$14,500
$11,138
-23.19%
$-3,362
Nov 2, 2020
$27.63
$15,000
$13,612
-9.25%
$-1,388
Dec 2, 2020
$31.89
$15,500
$16,423
+5.96%
$923
Jan 4, 2021
$31.28
$16,000
$16,609
+3.81%
$609
Feb 2, 2021
$31.18
$16,500
$17,056
+3.37%
$556
Mar 2, 2021
$37.24
$17,000
$21,133
+24.31%
$4,133
Apr 5, 2021
$38.22
$17,500
$22,189
+26.79%
$4,689
May 3, 2021
$39.76
$18,000
$23,583
+31.02%
$5,583
Jun 2, 2021
$37.92
$18,500
$23,247
+25.66%
$4,747
Jul 2, 2021
$35.72
$19,000
$22,398
+17.88%
$3,398
Aug 2, 2021
$33.14
$19,500
$21,280
+9.13%
$1,780
Sep 2, 2021
$33.04
$20,000
$21,991
+9.96%
$1,991
Oct 4, 2021
$36.11
$20,500
$24,535
+19.68%
$4,035
Nov 2, 2021
$37.28
$21,000
$25,830
+23.00%
$4,830
Dec 2, 2021
$37.36
$21,500
$26,677
+24.08%
$5,177
Jan 3, 2022
$38.65
$22,000
$28,098
+27.72%
$6,098
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Frequently Asked Questions
Common questions about DCA investing in NTB
Investing $500 per month in The Bank of N.T. Butterfield & Son Limited (NTB) over the past 6 years would be worth approximately $97K today. That's +102.9% total return on $48K invested, with a +11.8% compound annual growth rate (CAGR). This includes $11K from reinvested dividends.