Dollar cost averaging (DCA) in STT 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+123.9%
Final Value$107.5K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+112.9%
Final Value$102.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+102.9%
Final Value$97.4K
Worst possible — still beats not investing
Best vs Worst gap21.0 pp
Your timing vs best-11.0%
Your timing vs worst+10.0%
If You Keep Investing…
Based on this stock's historical CAGR of 12.7%/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$41K~1.4x your moneyfrom $30K invested
10 Years$115K~1.9x your moneyfrom $60K invested
20 Years$493K~4.1x 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~1.9x your money
20 Years~4.1x your money
$100/mo
$4K+$706 est. gain
$8K+$2K est. gain
$23K+$11K est. gain
$99K+$75K est. gain
$250/mo
$11K+$2K est. gain
$20K+$5K est. gain
$57K+$27K est. gain
$247K+$187K est. gain
$500/mo
$22K+$4K est. gain
$41K+$11K est. gain
$115K+$55K est. gain
$493K+$373K est. gain
$1,000/mo
$43K+$7K est. gain
$82K+$22K est. gain
$230K+$110K est. gain
$986K+$746K est. gain
* Projection assumes historical CAGR of 12.7% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$80.76
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$76.09
$10,500
$9,922
-5.51%
$-578
Mar 2, 2020
$68.69
$11,000
$9,457
-14.03%
$-1,543
Apr 2, 2020
$52.42
$11,500
$7,787
-32.28%
$-3,713
May 4, 2020
$58.40
$12,000
$9,176
-23.54%
$-2,824
Jun 2, 2020
$62.81
$12,500
$10,369
-17.05%
$-2,131
Jul 2, 2020
$63.13
$13,000
$11,007
-15.33%
$-1,993
Aug 3, 2020
$64.32
$13,500
$11,714
-13.23%
$-1,786
Sep 2, 2020
$69.88
$14,000
$13,227
-5.52%
$-773
Oct 2, 2020
$59.68
$14,500
$11,895
-17.96%
$-2,605
Nov 2, 2020
$59.68
$15,000
$12,395
-17.37%
$-2,605
Dec 2, 2020
$74.06
$15,500
$15,882
+2.46%
$382
Jan 4, 2021
$72.25
$16,000
$16,104
+0.65%
$104
Feb 2, 2021
$70.80
$16,500
$16,281
-1.33%
$-219
Mar 2, 2021
$77.03
$17,000
$18,214
+7.14%
$1,214
Apr 5, 2021
$85.40
$17,500
$20,818
+18.96%
$3,318
May 3, 2021
$84.68
$18,000
$21,142
+17.46%
$3,142
Jun 2, 2021
$87.07
$18,500
$22,239
+20.21%
$3,739
Jul 2, 2021
$84.30
$19,000
$22,168
+16.67%
$3,168
Aug 2, 2021
$87.01
$19,500
$23,380
+19.90%
$3,880
Sep 2, 2021
$92.69
$20,000
$25,406
+27.03%
$5,406
Oct 4, 2021
$86.12
$20,500
$24,264
+18.36%
$3,764
Nov 2, 2021
$99.44
$21,000
$28,517
+35.80%
$7,517
Dec 2, 2021
$92.39
$21,500
$26,996
+25.56%
$5,496
Jan 3, 2022
$94.45
$22,000
$28,267
+28.48%
$6,267
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Frequently Asked Questions
Common questions about DCA investing in STT
Investing $500 per month in State Street Corporation (STT) over the past 6 years would be worth approximately $102K today. That's +112.9% total return on $48K invested, with a +12.7% compound annual growth rate (CAGR). This includes $7K from reinvested dividends.