Dollar cost averaging (DCA) in PGY 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-26.7%
Final Value$29.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-35.8%
Final Value$25.7K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-46.8%
Final Value$21.6K
Worst possible — still beats not investing
Best vs Worst gap20.0 pp
Your timing vs best-9.0%
Your timing vs worst+11.0%
If You Keep Investing…
Based on this stock's historical CAGR of -8.4%/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+$0 est. gain
* Projection assumes historical CAGR of -8.4% continues. Actual returns will vary.
Your DCA Results by Date
61 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Apr 21, 2021
$120.00
$10,000
$10,000
+0.00%
$0
May 21, 2021
$115.80
$10,500
$10,150
-3.33%
$-350
Jun 21, 2021
$115.68
$11,000
$10,639
-3.28%
$-361
Jul 21, 2021
$115.92
$11,500
$11,162
-2.94%
$-338
Aug 23, 2021
$115.44
$12,000
$11,615
-3.21%
$-385
Sep 21, 2021
$118.44
$12,500
$12,417
-0.66%
$-83
Oct 21, 2021
$119.10
$13,000
$12,986
-0.10%
$-14
Nov 22, 2021
$119.40
$13,500
$13,519
+0.14%
$19
Dec 21, 2021
$118.80
$14,000
$13,951
-0.35%
$-49
Jan 21, 2022
$118.08
$14,500
$14,367
-0.92%
$-133
Feb 22, 2022
$118.68
$15,000
$14,940
-0.40%
$-60
Mar 21, 2022
$118.44
$15,500
$15,409
-0.58%
$-91
Apr 21, 2022
$118.61
$16,000
$15,932
-0.43%
$-68
May 23, 2022
$119.16
$16,500
$16,505
+0.03%
$5
Jun 21, 2022
$66.84
$17,000
$9,758
-42.60%
$-7,242
Jul 21, 2022
$64.20
$17,500
$9,873
-43.58%
$-7,627
Aug 22, 2022
$200.04
$18,000
$31,263
+73.68%
$13,263
Sep 21, 2022
$27.66
$18,500
$4,823
-73.93%
$-13,677
Oct 21, 2022
$14.52
$19,000
$3,032
-84.04%
$-15,968
Nov 21, 2022
$11.88
$19,500
$2,980
-84.72%
$-16,520
Dec 21, 2022
$8.94
$20,000
$2,743
-86.29%
$-17,257
Jan 23, 2023
$12.60
$20,500
$4,366
-78.70%
$-16,134
Feb 21, 2023
$13.08
$21,000
$5,032
-76.04%
$-15,968
Mar 21, 2023
$12.84
$21,500
$5,440
-74.70%
$-16,060
Apr 21, 2023
$10.69
$22,000
$5,029
-77.14%
$-16,971
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Frequently Asked Questions
Common questions about DCA investing in PGY
Investing $500 per month in Pagaya Technologies Ltd. (PGY) over the past 5 years would be worth approximately $26K today. That's -35.8% total return on $40K invested, with a -8.4% compound annual growth rate (CAGR).