Dollar cost averaging (DCA) in RNA 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-29.5%
Final Value$32.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-38.0%
Final Value$28.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-44.1%
Final Value$25.7K
Worst possible — still beats not investing
Best vs Worst gap14.6 pp
Your timing vs best-8.4%
Your timing vs worst+6.1%
If You Keep Investing…
Based on this stock's historical CAGR of -7.6%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$18K~1.0x your moneyfrom $18K invested
5 Years$30K~1.0x your moneyfrom $30K invested
10 Years$60K~1.0x your moneyfrom $60K invested
20 Years$120K~1.0x 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~1.0x your money
10 Years~1.0x your money
20 Years~1.0x your money
$100/mo
$4K+$0 est. gain
$6K+$0 est. gain
$12K+$0 est. gain
$24K+$0 est. gain
$250/mo
$9K+$0 est. gain
$15K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$500/mo
$18K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$1,000/mo
$36K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$240K+$0 est. gain
* Projection assumes historical CAGR of -7.6% continues. Actual returns will vary.
Your DCA Results by Date
73 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jun 12, 2020
$28.50
$10,000
$10,000
+0.00%
$0
Jul 13, 2020
$27.84
$10,500
$10,268
-2.21%
$-232
Aug 12, 2020
$29.87
$11,000
$11,517
+4.70%
$517
Sep 14, 2020
$35.94
$11,500
$14,358
+24.85%
$2,858
Oct 12, 2020
$27.85
$12,000
$11,626
-3.12%
$-374
Nov 12, 2020
$29.50
$12,500
$12,815
+2.52%
$315
Dec 14, 2020
$32.88
$13,000
$14,783
+13.71%
$1,783
Jan 12, 2021
$27.38
$13,500
$12,810
-5.11%
$-690
Feb 12, 2021
$22.28
$14,000
$10,924
-21.97%
$-3,076
Mar 12, 2021
$25.64
$14,500
$13,071
-9.85%
$-1,429
Apr 12, 2021
$20.54
$15,000
$10,971
-26.86%
$-4,029
May 12, 2021
$23.30
$15,500
$12,946
-16.48%
$-2,554
Jun 14, 2021
$25.97
$16,000
$14,929
-6.69%
$-1,071
Jul 12, 2021
$24.91
$16,500
$14,820
-10.18%
$-1,680
Aug 12, 2021
$19.85
$17,000
$12,309
-27.59%
$-4,691
Sep 13, 2021
$23.92
$17,500
$15,333
-12.38%
$-2,167
Oct 12, 2021
$22.13
$18,000
$14,686
-18.41%
$-3,314
Nov 12, 2021
$24.84
$18,500
$16,984
-8.19%
$-1,516
Dec 13, 2021
$25.54
$19,000
$17,963
-5.46%
$-1,037
Jan 12, 2022
$16.99
$19,500
$12,449
-36.16%
$-7,051
Feb 14, 2022
$15.96
$20,000
$12,195
-39.03%
$-7,805
Mar 14, 2022
$16.03
$20,500
$12,748
-37.81%
$-7,752
Apr 12, 2022
$18.62
$21,000
$15,308
-27.11%
$-5,692
May 12, 2022
$12.30
$21,500
$10,612
-50.64%
$-10,888
Jun 13, 2022
$12.05
$22,000
$10,896
-50.47%
$-11,104
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Frequently Asked Questions
Common questions about DCA investing in RNA
Investing $500 per month in Atrium Therapeutics, Inc. (RNA) over the past 6 years would be worth approximately $29K today. That's -38.0% total return on $46K invested, with a -7.6% compound annual growth rate (CAGR).