Dollar cost averaging (DCA) in SPIR 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+42.4%
Final Value$61.2K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+21.3%
Final Value$52.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+3.9%
Final Value$44.7K
Worst possible — still beats not investing
Best vs Worst gap38.5 pp
Your timing vs best-21.1%
Your timing vs worst+17.5%
If You Keep Investing…
Based on this stock's historical CAGR of 3.6%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$19K~1.1x your moneyfrom $18K invested
5 Years$33K~1.1x your moneyfrom $30K invested
10 Years$72K~1.2x your moneyfrom $60K invested
20 Years$174K~1.4x 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~1.1x your money
10 Years~1.2x your money
20 Years~1.4x your money
$100/mo
$4K+$191 est. gain
$7K+$551 est. gain
$14K+$2K est. gain
$35K+$11K est. gain
$250/mo
$9K+$478 est. gain
$16K+$1K est. gain
$36K+$6K est. gain
$87K+$27K est. gain
$500/mo
$19K+$957 est. gain
$33K+$3K est. gain
$72K+$12K est. gain
$174K+$54K est. gain
$1,000/mo
$38K+$2K est. gain
$66K+$6K est. gain
$144K+$24K est. gain
$348K+$108K est. gain
* Projection assumes historical CAGR of 3.6% continues. Actual returns will vary.
Your DCA Results by Date
67 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Nov 4, 2020
$76.00
$10,000
$10,000
+0.00%
$0
Dec 4, 2020
$79.04
$10,500
$10,900
+3.81%
$400
Jan 4, 2021
$80.64
$11,000
$11,621
+5.64%
$621
Feb 4, 2021
$83.92
$11,500
$12,593
+9.51%
$1,093
Mar 4, 2021
$81.04
$12,000
$12,661
+5.51%
$661
Apr 5, 2021
$80.16
$12,500
$13,024
+4.19%
$524
May 4, 2021
$79.12
$13,000
$13,355
+2.73%
$355
Jun 4, 2021
$79.44
$13,500
$13,909
+3.03%
$409
Jul 6, 2021
$79.76
$14,000
$14,465
+3.32%
$465
Aug 4, 2021
$79.68
$14,500
$14,950
+3.10%
$450
Sep 7, 2021
$85.20
$15,000
$16,486
+9.91%
$1,486
Oct 4, 2021
$55.76
$15,500
$11,289
-27.17%
$-4,211
Nov 4, 2021
$47.76
$16,000
$10,170
-36.44%
$-5,830
Dec 6, 2021
$33.92
$16,500
$7,723
-53.20%
$-8,777
Jan 4, 2022
$28.16
$17,000
$6,911
-59.35%
$-10,089
Feb 4, 2022
$23.12
$17,500
$6,174
-64.72%
$-11,326
Mar 4, 2022
$16.08
$18,000
$4,794
-73.37%
$-13,206
Apr 4, 2022
$16.32
$18,500
$5,366
-71.00%
$-13,134
May 4, 2022
$13.84
$19,000
$5,050
-73.42%
$-13,950
Jun 6, 2022
$15.20
$19,500
$6,047
-68.99%
$-13,453
Jul 5, 2022
$10.32
$20,000
$4,605
-76.97%
$-15,395
Aug 4, 2022
$12.08
$20,500
$5,891
-71.26%
$-14,609
Sep 6, 2022
$11.84
$21,000
$6,274
-70.12%
$-14,726
Oct 4, 2022
$9.12
$21,500
$5,332
-75.20%
$-16,168
Nov 4, 2022
$10.96
$22,000
$6,908
-68.60%
$-15,092
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Frequently Asked Questions
Common questions about DCA investing in SPIR
Investing $500 per month in Spire Global, Inc. (SPIR) over the past 5 years would be worth approximately $52K today. That's +21.3% total return on $43K invested, with a +3.6% compound annual growth rate (CAGR).