Dollar cost averaging (DCA) in PMTU 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 PMTU Analysis
PMTU DCA Calculator
Dollar Cost Averaging — PennyMac Mortgage Investment Trust
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+28.7%
Final Value$33.5K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+23.2%
Final Value$31.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+17.6%
Final Value$30.6K
Worst possible — still beats not investing
Best vs Worst gap11.1 pp
Your timing vs best-5.5%
Your timing vs worst+5.6%
If You Keep Investing…
Based on this stock's historical CAGR of 8.3%/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$37K~1.2x your moneyfrom $30K invested
10 Years$92K~1.5x your moneyfrom $60K invested
20 Years$296K~2.5x 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~2.5x your money
$100/mo
$4K+$456 est. gain
$7K+$1K est. gain
$18K+$6K est. gain
$59K+$35K est. gain
$250/mo
$10K+$1K est. gain
$18K+$3K est. gain
$46K+$16K est. gain
$148K+$88K est. gain
$500/mo
$20K+$2K est. gain
$37K+$7K est. gain
$92K+$32K est. gain
$296K+$176K est. gain
$1,000/mo
$41K+$5K est. gain
$74K+$14K est. gain
$183K+$63K est. gain
$592K+$352K est. gain
* Projection assumes historical CAGR of 8.3% continues. Actual returns will vary.
Your DCA Results by Date
32 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Sep 28, 2023
$24.45
$10,000
$10,000
+0.00%
$0
Oct 30, 2023
$24.23
$10,500
$10,410
-0.86%
$-90
Nov 28, 2023
$24.95
$11,000
$11,219
+1.99%
$219
Dec 28, 2023
$25.39
$11,500
$12,186
+5.96%
$686
Jan 29, 2024
$25.25
$12,000
$12,619
+5.16%
$619
Feb 28, 2024
$25.35
$12,500
$13,169
+5.35%
$669
Mar 28, 2024
$25.25
$13,000
$13,894
+6.88%
$894
Apr 29, 2024
$25.46
$13,500
$14,509
+7.48%
$1,009
May 28, 2024
$25.55
$14,000
$15,061
+7.58%
$1,061
Jun 28, 2024
$25.32
$14,500
$15,739
+8.54%
$1,239
Jul 29, 2024
$25.58
$15,000
$16,400
+9.34%
$1,400
Aug 28, 2024
$25.96
$15,500
$17,144
+10.61%
$1,644
Sep 30, 2024
$25.92
$16,000
$17,973
+12.33%
$1,973
Oct 28, 2024
$25.74
$16,500
$18,348
+11.20%
$1,848
Nov 29, 2024
$25.86
$17,000
$18,934
+11.38%
$1,934
Dec 30, 2024
$25.36
$17,500
$19,457
+11.19%
$1,957
Jan 28, 2025
$25.76
$18,000
$20,264
+12.58%
$2,264
Feb 28, 2025
$25.70
$18,500
$20,717
+11.98%
$2,217
Mar 28, 2025
$25.49
$19,000
$21,479
+13.05%
$2,479
Apr 28, 2025
$25.24
$19,500
$21,768
+11.63%
$2,268
May 28, 2025
$25.34
$20,000
$22,354
+11.77%
$2,354
Jun 30, 2025
$25.33
$20,500
$23,319
+13.75%
$2,819
Jul 28, 2025
$25.41
$21,000
$23,893
+13.77%
$2,893
Aug 28, 2025
$25.68
$21,500
$24,646
+14.63%
$3,146
Sep 29, 2025
$25.30
$22,000
$25,290
+14.96%
$3,290
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Frequently Asked Questions
Common questions about DCA investing in PMTU
Investing $500 per month in PennyMac Mortgage Investment Trust (PMTU) over the past 3 years would be worth approximately $31K today. That's +23.2% total return on $26K invested, with a +8.3% compound annual growth rate (CAGR). This includes $4K from reinvested dividends.