Dollar cost averaging (DCA) in PDCC 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 PDCC Analysis
PDCC DCA Calculator
Dollar Cost Averaging — Pearl Diver Credit Company Inc.
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-30.0%
Final Value$15.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-31.6%
Final Value$14.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-33.3%
Final Value$14.4K
Worst possible — still beats not investing
Best vs Worst gap3.2 pp
Your timing vs best-1.6%
Your timing vs worst+1.7%
If You Keep Investing…
Based on this stock's historical CAGR of -18.0%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$18K~1.0x your moneyfrom $18K invested
5 Years$30K~1.0x your moneyfrom $30K invested
10 Years$60K~1.0x your moneyfrom $60K invested
20 Years$120K~1.0x 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~1.0x your money
10 Years~1.0x your money
20 Years~1.0x your money
$100/mo
$4K+$0 est. gain
$6K+$0 est. gain
$12K+$0 est. gain
$24K+$0 est. gain
$250/mo
$9K+$0 est. gain
$15K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$500/mo
$18K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$1,000/mo
$36K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$240K+$0 est. gain
* Projection assumes historical CAGR of -18.0% continues. Actual returns will vary.
Your DCA Results by Date
23 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jul 18, 2024
$19.45
$10,000
$10,000
+0.00%
$0
Aug 19, 2024
$19.25
$10,500
$10,511
+0.10%
$11
Sep 18, 2024
$19.98
$11,000
$11,532
+4.84%
$532
Oct 18, 2024
$20.68
$11,500
$12,563
+9.24%
$1,063
Nov 18, 2024
$20.59
$12,000
$13,141
+9.51%
$1,141
Dec 18, 2024
$20.43
$12,500
$13,679
+9.43%
$1,179
Jan 21, 2025
$20.40
$13,000
$14,306
+10.04%
$1,306
Feb 18, 2025
$20.00
$13,500
$14,678
+8.73%
$1,178
Mar 18, 2025
$19.93
$14,000
$15,288
+9.20%
$1,288
Apr 21, 2025
$18.67
$14,500
$14,991
+3.38%
$491
May 19, 2025
$17.70
$15,000
$14,887
-0.76%
$-113
Jun 18, 2025
$17.09
$15,500
$15,059
-2.85%
$-441
Jul 18, 2025
$17.83
$16,000
$16,404
+2.52%
$404
Aug 18, 2025
$16.28
$16,500
$15,681
-4.96%
$-819
Sep 18, 2025
$17.00
$17,000
$17,087
+0.51%
$87
Oct 20, 2025
$16.44
$17,500
$17,243
-1.47%
$-257
Nov 18, 2025
$15.82
$18,000
$17,324
-3.75%
$-676
Dec 18, 2025
$15.34
$18,500
$17,542
-5.18%
$-958
Jan 20, 2026
$13.82
$19,000
$16,554
-12.87%
$-2,446
Feb 18, 2026
$12.18
$19,500
$15,343
-21.32%
$-4,157
Mar 18, 2026
$9.90
$20,000
$13,245
-33.78%
$-6,755
Apr 20, 2026
$10.58
$20,500
$14,941
-27.12%
$-5,559
May 18, 2026
$11.59
$21,000
$17,184
-18.17%
$-3,816
Frequently Asked Questions
Common questions about DCA investing in PDCC
Investing $500 per month in Pearl Diver Credit Company Inc. (PDCC) over the past 2 years would be worth approximately $14K today. That's -31.6% total return on $21K invested, with a -18.0% compound annual growth rate (CAGR). This includes $5K from reinvested dividends.