Dollar cost averaging (DCA) in ROOT 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+153.9%
Final Value$110.5K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+117.2%
Final Value$93.4K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+76.3%
Final Value$76.7K
Worst possible — still beats not investing
Best vs Worst gap77.6 pp
Your timing vs best-36.7%
Your timing vs worst+40.9%
If You Keep Investing…
Based on this stock's historical CAGR of 15.1%/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$43K~1.4x your moneyfrom $30K invested
10 Years$131K~2.2x your moneyfrom $60K invested
20 Years$663K~5.5x 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~2.2x your money
20 Years~5.5x your money
$100/mo
$4K+$852 est. gain
$9K+$3K est. gain
$26K+$14K est. gain
$133K+$109K est. gain
$250/mo
$11K+$2K est. gain
$22K+$7K est. gain
$65K+$35K est. gain
$332K+$272K est. gain
$500/mo
$22K+$4K est. gain
$43K+$13K est. gain
$131K+$71K est. gain
$663K+$543K est. gain
$1,000/mo
$45K+$9K est. gain
$87K+$27K est. gain
$261K+$141K est. gain
$1.3M+$1.1M est. gain
* Projection assumes historical CAGR of 15.1% continues. Actual returns will vary.
Your DCA Results by Date
67 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Oct 28, 2020
$486.00
$10,000
$10,000
+0.00%
$0
Nov 30, 2020
$318.60
$10,500
$7,056
-32.80%
$-3,444
Dec 28, 2020
$314.82
$11,000
$7,472
-32.07%
$-3,528
Jan 28, 2021
$369.54
$11,500
$9,271
-19.39%
$-2,229
Mar 1, 2021
$248.58
$12,000
$6,736
-43.87%
$-5,264
Mar 29, 2021
$234.90
$12,500
$6,865
-45.08%
$-5,635
Apr 28, 2021
$195.30
$13,000
$6,208
-52.25%
$-6,792
May 28, 2021
$164.16
$13,500
$5,718
-57.64%
$-7,782
Jun 28, 2021
$199.08
$14,000
$7,434
-46.90%
$-6,566
Jul 28, 2021
$138.42
$14,500
$5,669
-60.90%
$-8,831
Aug 30, 2021
$115.02
$15,000
$5,211
-65.26%
$-9,789
Sep 28, 2021
$97.74
$15,500
$4,928
-68.21%
$-10,572
Oct 28, 2021
$86.76
$16,000
$4,874
-69.54%
$-11,126
Nov 29, 2021
$73.26
$16,500
$4,616
-72.02%
$-11,884
Dec 28, 2021
$55.08
$17,000
$3,970
-76.64%
$-13,030
Jan 28, 2022
$32.04
$17,500
$2,810
-83.95%
$-14,690
Feb 28, 2022
$32.58
$18,000
$3,357
-81.35%
$-14,643
Mar 28, 2022
$37.44
$18,500
$4,358
-76.44%
$-14,142
Apr 28, 2022
$34.38
$19,000
$4,502
-76.31%
$-14,498
May 31, 2022
$25.02
$19,500
$3,776
-80.64%
$-15,724
Jun 28, 2022
$22.68
$20,000
$3,923
-80.39%
$-16,077
Jul 28, 2022
$19.44
$20,500
$3,862
-81.16%
$-16,638
Aug 29, 2022
$12.77
$21,000
$3,037
-85.54%
$-17,963
Sep 28, 2022
$8.66
$21,500
$2,560
-88.09%
$-18,940
Oct 28, 2022
$7.78
$22,000
$2,800
-87.27%
$-19,200
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Frequently Asked Questions
Common questions about DCA investing in ROOT
Investing $500 per month in Root, Inc. (ROOT) over the past 6 years would be worth approximately $93K today. That's +117.2% total return on $43K invested, with a +15.1% compound annual growth rate (CAGR).