Dollar cost averaging (DCA) in RLAY 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+28.9%
Final Value$58.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+14.0%
Final Value$50.7K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+0.5%
Final Value$45.2K
Worst possible — still beats not investing
Best vs Worst gap28.4 pp
Your timing vs best-14.9%
Your timing vs worst+13.5%
If You Keep Investing…
Based on this stock's historical CAGR of 2.3%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$19K~1.0x your moneyfrom $18K invested
5 Years$32K~1.1x your moneyfrom $30K invested
10 Years$67K~1.1x your moneyfrom $60K invested
20 Years$152K~1.3x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.0x your money
5 Years~1.1x your money
10 Years~1.1x your money
20 Years~1.3x your money
$100/mo
$4K+$121 est. gain
$6K+$346 est. gain
$13K+$1K est. gain
$30K+$6K est. gain
$250/mo
$9K+$303 est. gain
$16K+$864 est. gain
$34K+$4K est. gain
$76K+$16K est. gain
$500/mo
$19K+$606 est. gain
$32K+$2K est. gain
$67K+$7K est. gain
$152K+$32K est. gain
$1,000/mo
$37K+$1K est. gain
$63K+$3K est. gain
$134K+$14K est. gain
$303K+$63K est. gain
* Projection assumes historical CAGR of 2.3% continues. Actual returns will vary.
Your DCA Results by Date
70 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jul 16, 2020
$35.05
$10,000
$10,000
+0.00%
$0
Aug 17, 2020
$33.74
$10,500
$10,126
-3.56%
$-374
Sep 16, 2020
$38.92
$11,000
$12,181
+10.74%
$1,181
Oct 16, 2020
$40.57
$11,500
$13,197
+14.76%
$1,697
Nov 16, 2020
$49.62
$12,000
$16,641
+38.68%
$4,641
Dec 16, 2020
$45.09
$12,500
$15,622
+24.98%
$3,122
Jan 19, 2021
$53.95
$13,000
$19,192
+47.63%
$6,192
Feb 16, 2021
$44.25
$13,500
$16,241
+20.30%
$2,741
Mar 16, 2021
$40.27
$14,000
$15,280
+9.14%
$1,280
Apr 16, 2021
$32.60
$14,500
$12,870
-11.24%
$-1,630
May 17, 2021
$30.35
$15,000
$12,482
-16.79%
$-2,518
Jun 16, 2021
$33.84
$15,500
$14,417
-6.99%
$-1,083
Jul 16, 2021
$33.33
$16,000
$14,700
-8.13%
$-1,300
Aug 16, 2021
$31.57
$16,500
$14,423
-12.59%
$-2,077
Sep 16, 2021
$37.00
$17,000
$17,404
+2.38%
$404
Oct 18, 2021
$32.02
$17,500
$15,562
-11.08%
$-1,938
Nov 16, 2021
$35.39
$18,000
$17,700
-1.67%
$-300
Dec 16, 2021
$28.14
$18,500
$14,574
-21.22%
$-3,926
Jan 18, 2022
$23.76
$19,000
$12,805
-32.60%
$-6,195
Feb 16, 2022
$20.94
$19,500
$11,785
-39.56%
$-7,715
Mar 16, 2022
$24.70
$20,000
$14,402
-27.99%
$-5,598
Apr 18, 2022
$28.55
$20,500
$17,146
-16.36%
$-3,354
May 16, 2022
$17.61
$21,000
$11,076
-47.26%
$-9,924
Jun 16, 2022
$14.71
$21,500
$9,752
-54.64%
$-11,748
Jul 18, 2022
$18.23
$22,000
$12,586
-42.79%
$-9,414
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Frequently Asked Questions
Common questions about DCA investing in RLAY
Investing $500 per month in Relay Therapeutics, Inc. (RLAY) over the past 6 years would be worth approximately $51K today. That's +14.0% total return on $45K invested, with a +2.3% compound annual growth rate (CAGR).