Dollar cost averaging (DCA) in SOFI 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+79.1%
Final Value$77.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+63.0%
Final Value$69.3K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+47.1%
Final Value$63.3K
Worst possible — still beats not investing
Best vs Worst gap32.0 pp
Your timing vs best-16.1%
Your timing vs worst+15.9%
If You Keep Investing…
Based on this stock's historical CAGR of 9.4%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$21K~1.1x your moneyfrom $18K invested
5 Years$38K~1.3x your moneyfrom $30K invested
10 Years$97K~1.6x your moneyfrom $60K invested
20 Years$336K~2.8x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.1x your money
5 Years~1.3x your money
10 Years~1.6x your money
20 Years~2.8x your money
$100/mo
$4K+$518 est. gain
$8K+$2K est. gain
$19K+$7K est. gain
$67K+$43K est. gain
$250/mo
$10K+$1K est. gain
$19K+$4K est. gain
$48K+$18K est. gain
$168K+$108K est. gain
$500/mo
$21K+$3K est. gain
$38K+$8K est. gain
$97K+$37K est. gain
$336K+$216K est. gain
$1,000/mo
$41K+$5K est. gain
$75K+$15K est. gain
$194K+$74K est. gain
$671K+$431K est. gain
* Projection assumes historical CAGR of 9.4% continues. Actual returns will vary.
Your DCA Results by Date
66 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Nov 30, 2020
$10.48
$10,000
$10,000
+0.00%
$0
Dec 30, 2020
$12.46
$10,500
$12,389
+17.99%
$1,889
Feb 1, 2021
$25.78
$11,000
$26,134
+137.58%
$15,134
Mar 2, 2021
$18.77
$11,500
$19,528
+69.80%
$8,028
Apr 5, 2021
$16.72
$12,000
$17,895
+49.12%
$5,895
May 3, 2021
$16.37
$12,500
$18,020
+44.16%
$5,520
Jun 2, 2021
$23.21
$13,000
$26,050
+100.38%
$13,050
Jul 2, 2021
$18.08
$13,500
$20,792
+54.02%
$7,292
Aug 2, 2021
$15.73
$14,000
$18,590
+32.78%
$4,590
Sep 2, 2021
$15.06
$14,500
$18,298
+26.19%
$3,798
Oct 4, 2021
$16.09
$15,000
$20,049
+33.66%
$5,049
Nov 2, 2021
$22.68
$15,500
$28,761
+85.55%
$13,261
Dec 2, 2021
$16.43
$16,000
$21,335
+33.34%
$5,335
Jan 3, 2022
$15.68
$16,500
$20,861
+26.43%
$4,361
Feb 2, 2022
$12.16
$17,000
$16,678
-1.89%
$-322
Mar 2, 2022
$11.58
$17,500
$16,383
-6.39%
$-1,117
Apr 4, 2022
$9.77
$18,000
$14,322
-20.43%
$-3,678
May 2, 2022
$6.33
$18,500
$9,779
-47.14%
$-8,721
Jun 2, 2022
$7.42
$19,000
$11,963
-37.04%
$-7,037
Jul 5, 2022
$5.84
$19,500
$9,916
-49.15%
$-9,584
Aug 2, 2022
$6.41
$20,000
$11,384
-43.08%
$-8,616
Sep 2, 2022
$5.74
$20,500
$10,694
-47.84%
$-9,806
Oct 3, 2022
$5.13
$21,000
$10,057
-52.11%
$-10,943
Nov 2, 2022
$5.12
$21,500
$10,538
-50.99%
$-10,962
Dec 2, 2022
$4.70
$22,000
$10,173
-53.76%
$-11,827
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Frequently Asked Questions
Common questions about DCA investing in SOFI
Investing $500 per month in SoFi Technologies, Inc. (SOFI) over the past 5 years would be worth approximately $69K today. That's +63.0% total return on $43K invested, with a +9.4% compound annual growth rate (CAGR).