Dollar cost averaging (DCA) in SA 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+121.5%
Final Value$106.3K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+105.2%
Final Value$98.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+90.9%
Final Value$91.6K
Worst possible — still beats not investing
Best vs Worst gap30.6 pp
Your timing vs best-16.3%
Your timing vs worst+14.3%
If You Keep Investing…
Based on this stock's historical CAGR of 12.0%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.2x your moneyfrom $18K invested
5 Years$40K~1.3x your moneyfrom $30K invested
10 Years$111K~1.8x your moneyfrom $60K invested
20 Years$456K~3.8x 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~1.3x your money
10 Years~1.8x your money
20 Years~3.8x your money
$100/mo
$4K+$668 est. gain
$8K+$2K est. gain
$22K+$10K est. gain
$91K+$67K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$55K+$25K est. gain
$228K+$168K est. gain
$500/mo
$21K+$3K est. gain
$40K+$10K est. gain
$111K+$51K est. gain
$456K+$336K est. gain
$1,000/mo
$43K+$7K est. gain
$80K+$20K est. gain
$222K+$102K est. gain
$912K+$672K est. gain
* Projection assumes historical CAGR of 12.0% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$13.77
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$13.38
$10,500
$10,217
-2.70%
$-283
Mar 2, 2020
$10.38
$11,000
$8,426
-23.40%
$-2,574
Apr 2, 2020
$9.40
$11,500
$8,130
-29.30%
$-3,370
May 4, 2020
$14.45
$12,000
$12,998
+8.32%
$998
Jun 2, 2020
$15.28
$12,500
$14,245
+13.96%
$1,745
Jul 2, 2020
$17.50
$13,000
$16,815
+29.34%
$3,815
Aug 3, 2020
$19.43
$13,500
$19,169
+41.99%
$5,669
Sep 2, 2020
$18.81
$14,000
$19,057
+36.12%
$5,057
Oct 2, 2020
$18.78
$14,500
$19,527
+34.67%
$5,027
Nov 2, 2020
$19.77
$15,000
$21,056
+40.38%
$6,056
Dec 2, 2020
$19.67
$15,500
$21,450
+38.39%
$5,950
Jan 4, 2021
$22.32
$16,000
$24,840
+55.25%
$8,840
Feb 2, 2021
$19.21
$16,500
$21,879
+32.60%
$5,379
Mar 2, 2021
$17.44
$17,000
$20,363
+19.78%
$3,363
Apr 5, 2021
$16.56
$17,500
$19,835
+13.34%
$2,335
May 3, 2021
$17.76
$18,000
$21,773
+20.96%
$3,773
Jun 2, 2021
$19.38
$18,500
$24,259
+31.13%
$5,759
Jul 2, 2021
$17.67
$19,000
$22,618
+19.04%
$3,618
Aug 2, 2021
$17.95
$19,500
$23,477
+20.39%
$3,977
Sep 2, 2021
$17.78
$20,000
$23,754
+18.77%
$3,754
Oct 4, 2021
$15.51
$20,500
$21,222
+3.52%
$722
Nov 2, 2021
$18.71
$21,000
$26,100
+24.29%
$5,100
Dec 2, 2021
$18.15
$21,500
$25,819
+20.09%
$4,319
Jan 3, 2022
$16.11
$22,000
$23,417
+6.44%
$1,417
Page 1 of 4
Frequently Asked Questions
Common questions about DCA investing in SA
Investing $500 per month in Seabridge Gold Inc. (SA) over the past 6 years would be worth approximately $98K today. That's +105.2% total return on $48K invested, with a +12.0% compound annual growth rate (CAGR).