Dollar cost averaging (DCA) in SHFS 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-90.5%
Final Value$3.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-93.3%
Final Value$2.5K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-94.0%
Final Value$2.3K
Worst possible — still beats not investing
Best vs Worst gap3.5 pp
Your timing vs best-2.8%
Your timing vs worst+0.7%
If You Keep Investing…
Based on this stock's historical CAGR of -43.7%/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+$0 est. gain
* Projection assumes historical CAGR of -43.7% continues. Actual returns will vary.
Your DCA Results by Date
57 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Aug 20, 2021
$197.60
$10,000
$10,000
+0.00%
$0
Sep 20, 2021
$199.40
$10,500
$10,591
+0.87%
$91
Oct 20, 2021
$10.01
$11,000
$1,032
-90.62%
$-9,968
Nov 22, 2021
$201.60
$11,500
$21,278
+85.03%
$9,778
Dec 20, 2021
$200.60
$12,000
$21,672
+80.60%
$9,672
Jan 20, 2022
$201.20
$12,500
$22,237
+77.90%
$9,737
Feb 22, 2022
$202.40
$13,000
$22,870
+75.92%
$9,870
Mar 21, 2022
$202.40
$13,500
$23,370
+73.11%
$9,870
Apr 20, 2022
$203.60
$14,000
$24,008
+71.49%
$10,008
May 20, 2022
$10.15
$14,500
$1,697
-88.30%
$-12,803
Jun 21, 2022
$192.00
$15,000
$32,599
+117.32%
$17,599
Jul 20, 2022
$194.00
$15,500
$33,438
+115.73%
$17,938
Aug 22, 2022
$182.60
$16,000
$31,973
+99.83%
$15,973
Sep 20, 2022
$205.60
$16,500
$36,501
+121.22%
$20,001
Oct 20, 2022
$51.60
$17,000
$9,661
-43.17%
$-7,339
Nov 21, 2022
$77.20
$17,500
$14,954
-14.55%
$-2,546
Dec 20, 2022
$38.30
$18,000
$7,919
-56.01%
$-10,081
Jan 20, 2023
$25.20
$18,500
$5,710
-69.13%
$-12,790
Feb 21, 2023
$15.88
$19,000
$4,098
-78.43%
$-14,902
Mar 20, 2023
$11.00
$19,500
$3,339
-82.88%
$-16,161
Apr 20, 2023
$10.20
$20,000
$3,596
-82.02%
$-16,404
May 22, 2023
$7.55
$20,500
$3,162
-84.58%
$-17,338
Jun 20, 2023
$11.65
$21,000
$5,379
-74.39%
$-15,621
Jul 20, 2023
$10.49
$21,500
$5,343
-75.15%
$-16,157
Aug 21, 2023
$8.49
$22,000
$4,824
-78.07%
$-17,176
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Frequently Asked Questions
Common questions about DCA investing in SHFS
Investing $500 per month in SHF Holdings, Inc. (SHFS) over the past 5 years would be worth approximately $3K today. That's -93.3% total return on $38K invested, with a -43.7% compound annual growth rate (CAGR).