Dollar cost averaging (DCA) in TBBK 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+221.3%
Final Value$154.2K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+194.0%
Final Value$141.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+170.9%
Final Value$130.1K
Worst possible — still beats not investing
Best vs Worst gap50.3 pp
Your timing vs best-27.3%
Your timing vs worst+23.0%
If You Keep Investing…
Based on this stock's historical CAGR of 18.5%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$23K~1.3x your moneyfrom $18K invested
5 Years$47K~1.6x your moneyfrom $30K invested
10 Years$157K~2.6x your moneyfrom $60K invested
20 Years$1.0M~8.5x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.3x your money
5 Years~1.6x your money
10 Years~2.6x your money
20 Years~8.5x your money
$100/mo
$5K+$1K est. gain
$9K+$3K est. gain
$31K+$19K est. gain
$203K+$179K est. gain
$250/mo
$12K+$3K est. gain
$23K+$8K est. gain
$78K+$48K est. gain
$507K+$447K est. gain
$500/mo
$23K+$5K est. gain
$47K+$17K est. gain
$157K+$97K est. gain
$1.0M+$895K est. gain
$1,000/mo
$47K+$11K est. gain
$94K+$34K est. gain
$314K+$194K est. gain
$2.0M+$1.8M est. gain
* Projection assumes historical CAGR of 18.5% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$12.89
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$12.08
$10,500
$9,872
-5.98%
$-628
Mar 2, 2020
$12.69
$11,000
$10,870
-1.18%
$-130
Apr 2, 2020
$5.08
$11,500
$4,851
-57.81%
$-6,649
May 4, 2020
$7.01
$12,000
$7,195
-40.04%
$-4,805
Jun 2, 2020
$8.42
$12,500
$9,142
-26.87%
$-3,358
Jul 2, 2020
$9.13
$13,000
$10,413
-19.90%
$-2,587
Aug 3, 2020
$8.97
$13,500
$10,730
-20.52%
$-2,770
Sep 2, 2020
$9.55
$14,000
$11,924
-14.83%
$-2,076
Oct 2, 2020
$9.01
$14,500
$11,750
-18.97%
$-2,750
Nov 2, 2020
$9.60
$15,000
$13,019
-13.21%
$-1,981
Dec 2, 2020
$12.86
$15,500
$17,940
+15.74%
$2,440
Jan 4, 2021
$13.55
$16,000
$19,403
+21.27%
$3,403
Feb 2, 2021
$18.62
$16,500
$27,163
+64.62%
$10,663
Mar 2, 2021
$21.10
$17,000
$31,281
+84.00%
$14,281
Apr 5, 2021
$20.82
$17,500
$31,365
+79.23%
$13,865
May 3, 2021
$22.08
$18,000
$33,764
+87.58%
$15,764
Jun 2, 2021
$24.45
$18,500
$37,888
+104.80%
$19,388
Jul 2, 2021
$22.69
$19,000
$35,660
+87.69%
$16,660
Aug 2, 2021
$23.56
$19,500
$37,528
+92.45%
$18,028
Sep 2, 2021
$24.31
$20,000
$39,222
+96.11%
$19,222
Oct 4, 2021
$27.82
$20,500
$45,386
+121.39%
$24,886
Nov 2, 2021
$30.54
$21,000
$50,323
+139.63%
$29,323
Dec 2, 2021
$29.00
$21,500
$48,285
+124.58%
$26,785
Jan 3, 2022
$25.68
$22,000
$43,258
+96.63%
$21,258
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Frequently Asked Questions
Common questions about DCA investing in TBBK
Investing $500 per month in The Bancorp, Inc. (TBBK) over the past 6 years would be worth approximately $141K today. That's +194.0% total return on $48K invested, with a +18.5% compound annual growth rate (CAGR).