Dollar cost averaging (DCA) in PNW 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 PNW Analysis
PNW DCA Calculator
Dollar Cost Averaging — Pinnacle West Capital Corporation
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+51.2%
Final Value$72.6K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+45.8%
Final Value$70.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+41.1%
Final Value$67.7K
Worst possible — still beats not investing
Best vs Worst gap10.2 pp
Your timing vs best-5.4%
Your timing vs worst+4.7%
If You Keep Investing…
Based on this stock's historical CAGR of 6.1%/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$35K~1.2x your moneyfrom $30K invested
10 Years$82K~1.4x your moneyfrom $60K invested
20 Years$230K~1.9x 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~1.4x your money
20 Years~1.9x your money
$100/mo
$4K+$331 est. gain
$7K+$970 est. gain
$16K+$4K est. gain
$46K+$22K est. gain
$250/mo
$10K+$829 est. gain
$17K+$2K est. gain
$41K+$11K est. gain
$115K+$55K est. gain
$500/mo
$20K+$2K est. gain
$35K+$5K est. gain
$82K+$22K est. gain
$230K+$110K est. gain
$1,000/mo
$39K+$3K est. gain
$70K+$10K est. gain
$164K+$44K est. gain
$460K+$220K est. gain
* Projection assumes historical CAGR of 6.1% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$88.71
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$98.24
$10,500
$11,663
+11.08%
$1,163
Mar 2, 2020
$94.91
$11,000
$11,768
+6.98%
$768
Apr 2, 2020
$71.77
$11,500
$9,399
-18.27%
$-2,101
May 4, 2020
$73.65
$12,000
$10,247
-14.61%
$-1,753
Jun 2, 2020
$78.16
$12,500
$11,374
-9.01%
$-1,126
Jul 2, 2020
$76.03
$13,000
$11,564
-11.05%
$-1,436
Aug 3, 2020
$81.99
$13,500
$13,088
-3.05%
$-412
Sep 2, 2020
$73.92
$14,000
$12,300
-12.14%
$-1,700
Oct 2, 2020
$77.86
$14,500
$13,455
-7.20%
$-1,045
Nov 2, 2020
$81.07
$15,000
$14,653
-2.32%
$-347
Dec 2, 2020
$82.89
$15,500
$15,482
-0.12%
$-18
Jan 4, 2021
$79.09
$16,000
$15,272
-4.55%
$-728
Feb 2, 2021
$76.70
$16,500
$15,474
-6.22%
$-1,026
Mar 2, 2021
$73.72
$17,000
$15,373
-9.57%
$-1,627
Apr 5, 2021
$83.05
$17,500
$17,818
+1.82%
$318
May 3, 2021
$84.53
$18,000
$18,814
+4.52%
$814
Jun 2, 2021
$85.64
$18,500
$19,561
+5.73%
$1,061
Jul 2, 2021
$82.90
$19,000
$19,435
+2.29%
$435
Aug 2, 2021
$83.16
$19,500
$20,189
+3.54%
$689
Sep 2, 2021
$78.26
$20,000
$19,500
-2.50%
$-500
Oct 4, 2021
$73.97
$20,500
$18,931
-7.65%
$-1,569
Nov 2, 2021
$64.79
$21,000
$17,081
-18.66%
$-3,919
Dec 2, 2021
$65.55
$21,500
$18,005
-16.26%
$-3,495
Jan 3, 2022
$69.79
$22,000
$19,669
-10.59%
$-2,331
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Frequently Asked Questions
Common questions about DCA investing in PNW
Investing $500 per month in Pinnacle West Capital Corporation (PNW) over the past 6 years would be worth approximately $70K today. That's +45.8% total return on $48K invested, with a +6.1% compound annual growth rate (CAGR). This includes $9K from reinvested dividends.