Dollar cost averaging (DCA) in NU 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+82.8%
Final Value$66.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+69.9%
Final Value$61.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+55.6%
Final Value$56.8K
Worst possible — still beats not investing
Best vs Worst gap27.3 pp
Your timing vs best-12.9%
Your timing vs worst+14.3%
If You Keep Investing…
Based on this stock's historical CAGR of 12.8%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$22K~1.2x your moneyfrom $18K invested
5 Years$41K~1.4x your moneyfrom $30K invested
10 Years$116K~1.9x your moneyfrom $60K invested
20 Years$501K~4.2x 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~1.4x your money
10 Years~1.9x your money
20 Years~4.2x your money
$100/mo
$4K+$714 est. gain
$8K+$2K est. gain
$23K+$11K est. gain
$100K+$76K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$58K+$28K est. gain
$250K+$190K est. gain
$500/mo
$22K+$4K est. gain
$41K+$11K est. gain
$116K+$56K est. gain
$501K+$381K est. gain
$1,000/mo
$43K+$7K est. gain
$82K+$22K est. gain
$231K+$111K est. gain
$1.0M+$762K est. gain
* Projection assumes historical CAGR of 12.8% continues. Actual returns will vary.
Your DCA Results by Date
53 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Dec 9, 2021
$10.33
$10,000
$10,000
+0.00%
$0
Jan 10, 2022
$9.00
$10,500
$9,212
-12.26%
$-1,288
Feb 9, 2022
$10.20
$11,000
$10,941
-0.54%
$-59
Mar 9, 2022
$7.96
$11,500
$9,038
-21.41%
$-2,462
Apr 11, 2022
$7.40
$12,000
$8,902
-25.81%
$-3,098
May 9, 2022
$4.38
$12,500
$5,769
-53.85%
$-6,731
Jun 9, 2022
$3.86
$13,000
$5,584
-57.04%
$-7,416
Jul 11, 2022
$3.77
$13,500
$5,954
-55.90%
$-7,546
Aug 9, 2022
$4.25
$14,000
$7,212
-48.48%
$-6,788
Sep 9, 2022
$5.39
$14,500
$9,647
-33.47%
$-4,853
Oct 10, 2022
$4.29
$15,000
$8,178
-45.48%
$-6,822
Nov 9, 2022
$4.69
$15,500
$9,440
-39.09%
$-6,060
Dec 9, 2022
$3.93
$16,000
$8,411
-47.43%
$-7,589
Jan 9, 2023
$3.66
$16,500
$8,333
-49.50%
$-8,167
Feb 9, 2023
$4.83
$17,000
$11,497
-32.37%
$-5,503
Mar 9, 2023
$4.74
$17,500
$11,782
-32.67%
$-5,718
Apr 10, 2023
$4.52
$18,000
$11,736
-34.80%
$-6,264
May 9, 2023
$5.82
$18,500
$15,611
-15.62%
$-2,889
Jun 9, 2023
$7.49
$19,000
$20,590
+8.37%
$1,590
Jul 10, 2023
$7.82
$19,500
$21,997
+12.81%
$2,497
Aug 9, 2023
$7.83
$20,000
$22,526
+12.63%
$2,526
Sep 11, 2023
$7.38
$20,500
$21,731
+6.00%
$1,231
Oct 9, 2023
$7.31
$21,000
$22,025
+4.88%
$1,025
Nov 9, 2023
$8.26
$21,500
$25,387
+18.08%
$3,887
Dec 11, 2023
$8.18
$22,000
$25,641
+16.55%
$3,641
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Frequently Asked Questions
Common questions about DCA investing in NU
Investing $500 per month in Nu Holdings Ltd. (NU) over the past 4 years would be worth approximately $61K today. That's +69.9% total return on $36K invested, with a +12.8% compound annual growth rate (CAGR).