Dollar cost averaging (DCA) in PHM 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+143.3%
Final Value$116.8K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+129.9%
Final Value$110.3K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+116.1%
Final Value$103.7K
Worst possible — still beats not investing
Best vs Worst gap27.1 pp
Your timing vs best-13.4%
Your timing vs worst+13.7%
If You Keep Investing…
Based on this stock's historical CAGR of 14.0%/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$42K~1.4x your moneyfrom $30K invested
10 Years$123K~2.1x your moneyfrom $60K invested
20 Years$582K~4.9x 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~2.1x your money
20 Years~4.9x your money
$100/mo
$4K+$788 est. gain
$8K+$2K est. gain
$25K+$13K est. gain
$116K+$92K est. gain
$250/mo
$11K+$2K est. gain
$21K+$6K est. gain
$62K+$32K est. gain
$291K+$231K est. gain
$500/mo
$22K+$4K est. gain
$42K+$12K est. gain
$123K+$63K est. gain
$582K+$462K est. gain
$1,000/mo
$44K+$8K est. gain
$84K+$24K est. gain
$247K+$127K est. gain
$1.2M+$925K est. gain
* Projection assumes historical CAGR of 14.0% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$38.68
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$44.66
$10,500
$12,046
+14.72%
$1,546
Mar 2, 2020
$41.55
$11,000
$11,707
+6.43%
$707
Apr 2, 2020
$19.79
$11,500
$6,098
-46.97%
$-5,402
May 4, 2020
$27.27
$12,000
$8,903
-25.81%
$-3,097
Jun 2, 2020
$34.75
$12,500
$11,845
-5.24%
$-655
Jul 2, 2020
$32.88
$13,000
$11,748
-9.63%
$-1,252
Aug 3, 2020
$44.03
$13,500
$16,232
+20.24%
$2,732
Sep 2, 2020
$46.14
$14,000
$17,510
+25.07%
$3,510
Oct 2, 2020
$47.53
$14,500
$18,586
+28.18%
$4,086
Nov 2, 2020
$42.15
$15,000
$16,982
+13.21%
$1,982
Dec 2, 2020
$41.55
$15,500
$17,240
+11.23%
$1,740
Jan 4, 2021
$42.21
$16,000
$18,072
+12.95%
$2,072
Feb 2, 2021
$45.97
$16,500
$20,182
+22.31%
$3,682
Mar 2, 2021
$46.19
$17,000
$20,778
+22.23%
$3,778
Apr 5, 2021
$53.83
$17,500
$24,785
+41.63%
$7,285
May 3, 2021
$60.33
$18,000
$28,278
+57.10%
$10,278
Jun 2, 2021
$57.36
$18,500
$27,386
+48.03%
$8,886
Jul 2, 2021
$55.24
$19,000
$26,942
+41.80%
$7,942
Aug 2, 2021
$54.96
$19,500
$27,306
+40.03%
$7,806
Sep 2, 2021
$54.20
$20,000
$27,428
+37.14%
$7,428
Oct 4, 2021
$46.25
$20,500
$23,972
+16.94%
$3,472
Nov 2, 2021
$47.79
$21,000
$25,271
+20.34%
$4,271
Dec 2, 2021
$52.49
$21,500
$28,256
+31.42%
$6,756
Jan 3, 2022
$56.09
$22,000
$30,778
+39.90%
$8,778
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Frequently Asked Questions
Common questions about DCA investing in PHM
Investing $500 per month in PulteGroup, Inc. (PHM) over the past 6 years would be worth approximately $110K today. That's +129.9% total return on $48K invested, with a +14.0% compound annual growth rate (CAGR). This includes $3K from reinvested dividends.