Dollar cost averaging (DCA) in REFI 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 REFI Analysis
REFI DCA Calculator
Dollar Cost Averaging — Chicago Atlantic Real Estate Finance, Inc.
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+22.0%
Final Value$44.5K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+19.2%
Final Value$42.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+16.0%
Final Value$42.3K
Worst possible — still beats not investing
Best vs Worst gap6.0 pp
Your timing vs best-2.8%
Your timing vs worst+3.2%
If You Keep Investing…
Based on this stock's historical CAGR of 4.1%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$19K~1.1x your moneyfrom $18K invested
5 Years$33K~1.1x your moneyfrom $30K invested
10 Years$74K~1.2x your moneyfrom $60K invested
20 Years$183K~1.5x 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~1.1x your money
10 Years~1.2x your money
20 Years~1.5x your money
$100/mo
$4K+$218 est. gain
$7K+$628 est. gain
$15K+$3K est. gain
$37K+$13K est. gain
$250/mo
$10K+$544 est. gain
$17K+$2K est. gain
$37K+$7K est. gain
$92K+$32K est. gain
$500/mo
$19K+$1K est. gain
$33K+$3K est. gain
$74K+$14K est. gain
$183K+$63K est. gain
$1,000/mo
$38K+$2K est. gain
$66K+$6K est. gain
$147K+$27K est. gain
$366K+$126K est. gain
* Projection assumes historical CAGR of 4.1% continues. Actual returns will vary.
Your DCA Results by Date
53 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Dec 8, 2021
$16.49
$10,000
$10,000
+0.00%
$0
Jan 10, 2022
$17.53
$10,500
$11,303
+7.65%
$803
Feb 8, 2022
$18.98
$11,000
$12,738
+15.80%
$1,738
Mar 8, 2022
$19.03
$11,500
$13,271
+15.40%
$1,771
Apr 8, 2022
$17.31
$12,000
$12,843
+7.03%
$843
May 9, 2022
$16.43
$12,500
$12,690
+1.52%
$190
Jun 8, 2022
$17.37
$13,000
$13,916
+7.05%
$916
Jul 8, 2022
$14.92
$13,500
$12,815
-5.07%
$-685
Aug 8, 2022
$15.54
$14,000
$13,848
-1.09%
$-152
Sep 8, 2022
$14.73
$14,500
$13,626
-6.03%
$-874
Oct 10, 2022
$14.56
$15,000
$14,404
-3.98%
$-596
Nov 8, 2022
$14.15
$15,500
$14,498
-6.46%
$-1,002
Dec 8, 2022
$15.91
$16,000
$16,801
+5.01%
$801
Jan 9, 2023
$15.23
$16,500
$17,398
+5.44%
$898
Feb 8, 2023
$15.25
$17,000
$17,921
+5.42%
$921
Mar 8, 2023
$14.30
$17,500
$17,305
-1.12%
$-195
Apr 10, 2023
$13.72
$18,000
$17,691
-1.72%
$-309
May 8, 2023
$14.10
$18,500
$18,681
+0.98%
$181
Jun 8, 2023
$15.29
$19,000
$20,758
+9.25%
$1,758
Jul 10, 2023
$15.35
$19,500
$21,989
+12.77%
$2,489
Aug 8, 2023
$15.44
$20,000
$22,618
+13.09%
$2,618
Sep 8, 2023
$15.26
$20,500
$22,854
+11.49%
$2,354
Oct 9, 2023
$14.82
$21,000
$23,405
+11.45%
$2,405
Nov 8, 2023
$15.43
$21,500
$24,869
+15.67%
$3,369
Dec 8, 2023
$15.68
$22,000
$25,771
+17.14%
$3,771
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Frequently Asked Questions
Common questions about DCA investing in REFI
Investing $500 per month in Chicago Atlantic Real Estate Finance, Inc. (REFI) over the past 4 years would be worth approximately $43K today. That's +19.2% total return on $36K invested, with a +4.1% compound annual growth rate (CAGR). This includes $16K from reinvested dividends.