Dollar cost averaging (DCA) in QQQ 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+128.0%
Final Value$109.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+120.9%
Final Value$106.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+113.9%
Final Value$102.7K
Worst possible — still beats not investing
Best vs Worst gap14.1 pp
Your timing vs best-7.1%
Your timing vs worst+7.0%
If You Keep Investing…
Based on this stock's historical CAGR of 13.2%/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$41K~1.4x your moneyfrom $30K invested
10 Years$118K~2.0x your moneyfrom $60K invested
20 Years$529K~4.4x 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~2.0x your money
20 Years~4.4x your money
$100/mo
$4K+$740 est. gain
$8K+$2K est. gain
$24K+$12K est. gain
$106K+$82K est. gain
$250/mo
$11K+$2K est. gain
$21K+$6K est. gain
$59K+$29K est. gain
$264K+$204K est. gain
$500/mo
$22K+$4K est. gain
$41K+$11K est. gain
$118K+$58K est. gain
$529K+$409K est. gain
$1,000/mo
$43K+$7K est. gain
$83K+$23K est. gain
$237K+$117K est. gain
$1.1M+$818K est. gain
* Projection assumes historical CAGR of 13.2% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$216.16
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$222.38
$10,500
$10,788
+2.74%
$288
Mar 2, 2020
$216.42
$11,000
$10,999
-0.01%
$-1
Apr 2, 2020
$186.01
$11,500
$9,953
-13.45%
$-1,547
May 4, 2020
$215.22
$12,000
$12,016
+0.13%
$16
Jun 2, 2020
$235.63
$12,500
$13,656
+9.25%
$1,156
Jul 2, 2020
$252.19
$13,000
$15,115
+16.27%
$2,115
Aug 3, 2020
$269.38
$13,500
$16,646
+23.30%
$3,146
Sep 2, 2020
$302.76
$14,000
$19,208
+37.20%
$5,208
Oct 2, 2020
$274.31
$14,500
$17,903
+23.47%
$3,403
Nov 2, 2020
$269.98
$15,000
$18,121
+20.81%
$3,121
Dec 2, 2020
$303.85
$15,500
$20,894
+34.80%
$5,394
Jan 4, 2021
$309.31
$16,000
$21,770
+36.06%
$5,770
Feb 2, 2021
$327.68
$16,500
$23,562
+42.80%
$7,062
Mar 2, 2021
$318.40
$17,000
$23,395
+37.62%
$6,395
Apr 5, 2021
$331.05
$17,500
$24,825
+41.86%
$7,325
May 3, 2021
$336.19
$18,000
$25,710
+42.83%
$7,710
Jun 2, 2021
$333.47
$18,500
$26,002
+40.55%
$7,502
Jul 2, 2021
$358.64
$19,000
$28,465
+49.81%
$9,465
Aug 2, 2021
$364.60
$19,500
$29,438
+50.96%
$9,938
Sep 2, 2021
$380.40
$20,000
$31,213
+56.07%
$11,213
Oct 4, 2021
$352.62
$20,500
$29,434
+43.58%
$8,934
Nov 2, 2021
$389.05
$21,000
$32,975
+57.02%
$11,975
Dec 2, 2021
$389.91
$21,500
$33,548
+56.04%
$12,048
Jan 3, 2022
$401.68
$22,000
$35,060
+59.37%
$13,060
Page 1 of 4
Frequently Asked Questions
Common questions about DCA investing in QQQ
Investing $500 per month in Invesco QQQ Trust (QQQ) over the past 6 years would be worth approximately $106K today. That's +120.9% total return on $48K invested, with a +13.2% compound annual growth rate (CAGR).