Dollar cost averaging (DCA) in QD 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+58.0%
Final Value$73.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+39.6%
Final Value$64.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+24.6%
Final Value$57.9K
Worst possible — still beats not investing
Best vs Worst gap33.4 pp
Your timing vs best-18.3%
Your timing vs worst+15.1%
If You Keep Investing…
Based on this stock's historical CAGR of 5.6%/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$34K~1.1x your moneyfrom $30K invested
10 Years$80K~1.3x your moneyfrom $60K invested
20 Years$217K~1.8x 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~1.1x your money
10 Years~1.3x your money
20 Years~1.8x your money
$100/mo
$4K+$303 est. gain
$7K+$883 est. gain
$16K+$4K est. gain
$43K+$19K est. gain
$250/mo
$10K+$757 est. gain
$17K+$2K est. gain
$40K+$10K est. gain
$109K+$49K est. gain
$500/mo
$20K+$2K est. gain
$34K+$4K est. gain
$80K+$20K est. gain
$217K+$97K est. gain
$1,000/mo
$39K+$3K est. gain
$69K+$9K est. gain
$159K+$39K est. gain
$434K+$194K est. gain
* Projection assumes historical CAGR of 5.6% continues. Actual returns will vary.
Your DCA Results by Date
74 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$5.05
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$2.66
$10,500
$5,767
-45.07%
$-4,733
Mar 2, 2020
$2.52
$11,000
$5,964
-45.78%
$-5,036
Apr 2, 2020
$1.72
$11,500
$4,571
-60.26%
$-6,929
May 4, 2020
$1.52
$12,000
$4,539
-62.17%
$-7,461
Jun 2, 2020
$1.47
$12,500
$4,890
-60.88%
$-7,610
Jul 2, 2020
$1.72
$13,000
$6,221
-52.14%
$-6,779
Aug 3, 2020
$1.67
$13,500
$6,540
-51.55%
$-6,960
Sep 2, 2020
$1.51
$14,000
$6,414
-54.19%
$-7,586
Oct 2, 2020
$1.31
$14,500
$6,064
-58.18%
$-8,436
Nov 2, 2020
$1.33
$15,000
$6,657
-55.62%
$-8,343
Dec 2, 2020
$1.40
$15,500
$7,507
-51.57%
$-7,993
Jan 4, 2021
$1.38
$16,000
$7,900
-50.62%
$-8,100
Feb 2, 2021
$2.23
$16,500
$13,266
-19.60%
$-3,234
Mar 2, 2021
$2.24
$17,000
$13,825
-18.67%
$-3,175
Apr 5, 2021
$2.26
$17,500
$14,449
-17.43%
$-3,051
May 3, 2021
$2.02
$18,000
$13,415
-25.47%
$-4,585
Jun 2, 2021
$2.29
$18,500
$15,708
-15.09%
$-2,792
Jul 2, 2021
$2.20
$19,000
$15,590
-17.95%
$-3,410
Aug 2, 2021
$1.84
$19,500
$13,539
-30.57%
$-5,961
Sep 2, 2021
$1.77
$20,000
$13,524
-32.38%
$-6,476
Oct 4, 2021
$1.43
$20,500
$11,426
-44.26%
$-9,074
Nov 2, 2021
$1.70
$21,000
$14,084
-32.94%
$-6,916
Dec 2, 2021
$1.30
$21,500
$11,270
-47.58%
$-10,230
Jan 3, 2022
$0.99
$22,000
$9,042
-58.90%
$-12,958
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Frequently Asked Questions
Common questions about DCA investing in QD
Investing $500 per month in Qudian Inc. (QD) over the past 6 years would be worth approximately $65K today. That's +39.6% total return on $47K invested, with a +5.6% compound annual growth rate (CAGR).