Dollar cost averaging (DCA) in PLUS 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+71.2%
Final Value$82.2K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+62.6%
Final Value$78.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+54.2%
Final Value$74.0K
Worst possible — still beats not investing
Best vs Worst gap17.0 pp
Your timing vs best-8.6%
Your timing vs worst+8.4%
If You Keep Investing…
Based on this stock's historical CAGR of 8.0%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$20K~1.1x your moneyfrom $18K invested
5 Years$36K~1.2x your moneyfrom $30K invested
10 Years$90K~1.5x your moneyfrom $60K invested
20 Years$283K~2.4x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.1x your money
5 Years~1.2x your money
10 Years~1.5x your money
20 Years~2.4x your money
$100/mo
$4K+$435 est. gain
$7K+$1K est. gain
$18K+$6K est. gain
$57K+$33K est. gain
$250/mo
$10K+$1K est. gain
$18K+$3K est. gain
$45K+$15K est. gain
$142K+$82K est. gain
$500/mo
$20K+$2K est. gain
$36K+$6K est. gain
$90K+$30K est. gain
$283K+$163K est. gain
$1,000/mo
$40K+$4K est. gain
$73K+$13K est. gain
$180K+$60K est. gain
$567K+$327K est. gain
* Projection assumes historical CAGR of 8.0% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$42.64
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$40.92
$10,500
$10,097
-3.84%
$-403
Mar 2, 2020
$38.04
$11,000
$9,886
-10.13%
$-1,114
Apr 2, 2020
$28.07
$11,500
$7,795
-32.22%
$-3,705
May 4, 2020
$34.17
$12,000
$9,989
-16.76%
$-2,011
Jun 2, 2020
$36.52
$12,500
$11,176
-10.59%
$-1,324
Jul 2, 2020
$34.56
$13,000
$11,076
-14.80%
$-1,924
Aug 3, 2020
$37.59
$13,500
$12,547
-7.06%
$-953
Sep 2, 2020
$39.08
$14,000
$13,545
-3.25%
$-455
Oct 2, 2020
$36.63
$14,500
$13,195
-9.00%
$-1,305
Nov 2, 2020
$34.37
$15,000
$12,881
-14.12%
$-2,119
Dec 2, 2020
$42.58
$15,500
$16,458
+6.18%
$958
Jan 4, 2021
$44.25
$16,000
$17,604
+10.02%
$1,604
Feb 2, 2021
$43.30
$16,500
$17,726
+7.43%
$1,226
Mar 2, 2021
$48.93
$17,000
$20,531
+20.77%
$3,531
Apr 5, 2021
$50.21
$17,500
$21,568
+23.24%
$4,068
May 3, 2021
$51.32
$18,000
$22,544
+25.25%
$4,544
Jun 2, 2021
$45.83
$18,500
$20,633
+11.53%
$2,133
Jul 2, 2021
$43.40
$19,000
$20,039
+5.47%
$1,039
Aug 2, 2021
$45.70
$19,500
$21,601
+10.77%
$2,101
Sep 2, 2021
$55.05
$20,000
$26,520
+32.60%
$6,520
Oct 4, 2021
$51.55
$20,500
$25,334
+23.58%
$4,834
Nov 2, 2021
$56.67
$21,000
$28,350
+35.00%
$7,350
Dec 2, 2021
$53.25
$21,500
$27,139
+26.23%
$5,639
Jan 3, 2022
$54.59
$22,000
$28,322
+28.74%
$6,322
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Frequently Asked Questions
Common questions about DCA investing in PLUS
Investing $500 per month in ePlus inc. (PLUS) over the past 6 years would be worth approximately $78K today. That's +62.6% total return on $48K invested, with a +8.0% compound annual growth rate (CAGR). This includes $669 from reinvested dividends.