Dollar cost averaging (DCA) in PBF 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+147.7%
Final Value$118.9K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+116.4%
Final Value$103.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+87.4%
Final Value$89.9K
Worst possible — still beats not investing
Best vs Worst gap60.3 pp
Your timing vs best-31.3%
Your timing vs worst+29.0%
If You Keep Investing…
Based on this stock's historical CAGR of 12.9%/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$117K~1.9x your moneyfrom $60K invested
20 Years$511K~4.3x 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~4.3x your money
$100/mo
$4K+$723 est. gain
$8K+$2K est. gain
$23K+$11K est. gain
$102K+$78K est. gain
$250/mo
$11K+$2K est. gain
$21K+$6K est. gain
$58K+$28K est. gain
$255K+$195K est. gain
$500/mo
$22K+$4K est. gain
$41K+$11K est. gain
$117K+$57K est. gain
$511K+$391K est. gain
$1,000/mo
$43K+$7K est. gain
$82K+$22K est. gain
$233K+$113K est. gain
$1.0M+$781K est. gain
* Projection assumes historical CAGR of 12.9% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$31.79
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$25.80
$10,500
$8,616
-17.95%
$-1,884
Mar 2, 2020
$21.97
$11,000
$7,925
-27.95%
$-3,075
Apr 2, 2020
$5.89
$11,500
$2,625
-77.18%
$-8,875
May 4, 2020
$10.84
$12,000
$5,331
-55.58%
$-6,669
Jun 2, 2020
$11.46
$12,500
$6,135
-50.92%
$-6,365
Jul 2, 2020
$9.56
$13,000
$5,618
-56.78%
$-7,382
Aug 3, 2020
$9.34
$13,500
$5,989
-55.64%
$-7,511
Sep 2, 2020
$8.48
$14,000
$5,937
-57.59%
$-8,063
Oct 2, 2020
$5.98
$14,500
$4,687
-67.68%
$-9,813
Nov 2, 2020
$5.08
$15,000
$4,482
-70.12%
$-10,518
Dec 2, 2020
$7.89
$15,500
$7,461
-51.87%
$-8,039
Jan 4, 2021
$6.84
$16,000
$6,968
-56.45%
$-9,032
Feb 2, 2021
$8.62
$16,500
$9,281
-43.75%
$-7,219
Mar 2, 2021
$15.15
$17,000
$16,812
-1.11%
$-188
Apr 5, 2021
$15.07
$17,500
$17,223
-1.58%
$-277
May 3, 2021
$16.26
$18,000
$19,083
+6.02%
$1,083
Jun 2, 2021
$18.38
$18,500
$22,071
+19.30%
$3,571
Jul 2, 2021
$14.37
$19,000
$17,756
-6.55%
$-1,244
Aug 2, 2021
$9.07
$19,500
$11,707
-39.96%
$-7,793
Sep 2, 2021
$9.79
$20,000
$13,136
-34.32%
$-6,864
Oct 4, 2021
$14.39
$20,500
$19,809
-3.37%
$-691
Nov 2, 2021
$14.61
$21,000
$20,612
-1.85%
$-388
Dec 2, 2021
$13.14
$21,500
$19,038
-11.45%
$-2,462
Jan 3, 2022
$14.02
$22,000
$20,813
-5.40%
$-1,187
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Frequently Asked Questions
Common questions about DCA investing in PBF
Investing $500 per month in PBF Energy Inc. (PBF) over the past 6 years would be worth approximately $104K today. That's +116.4% total return on $48K invested, with a +12.9% compound annual growth rate (CAGR). This includes $7K from reinvested dividends.