Dollar cost averaging (DCA) in UP 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-78.1%
Final Value$9.4K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-90.5%
Final Value$4.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-91.3%
Final Value$3.7K
Worst possible — still beats not investing
Best vs Worst gap13.2 pp
Your timing vs best-12.4%
Your timing vs worst+0.9%
If You Keep Investing…
Based on this stock's historical CAGR of -35.0%/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+$0 est. gain
* Projection assumes historical CAGR of -35.0% continues. Actual returns will vary.
Your DCA Results by Date
66 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Nov 18, 2020
$1,983.20
$10,000
$10,000
+0.00%
$0
Dec 18, 2020
$2,000.00
$10,500
$10,585
+0.81%
$85
Jan 19, 2021
$2,034.00
$11,000
$11,265
+2.41%
$265
Feb 18, 2021
$2,168.00
$11,500
$12,507
+8.75%
$1,007
Mar 18, 2021
$2,054.00
$12,000
$12,349
+2.91%
$349
Apr 19, 2021
$1,986.00
$12,500
$12,440
-0.48%
$-60
May 18, 2021
$1,986.00
$13,000
$12,940
-0.46%
$-60
Jun 18, 2021
$2,000.00
$13,500
$13,532
+0.23%
$32
Jul 19, 2021
$2,096.00
$14,000
$14,681
+4.86%
$681
Aug 18, 2021
$1,632.00
$14,500
$11,931
-17.72%
$-2,569
Sep 20, 2021
$1,498.00
$15,000
$11,451
-23.66%
$-3,549
Oct 18, 2021
$1,404.00
$15,500
$11,233
-27.53%
$-4,267
Nov 18, 2021
$996.00
$16,000
$8,469
-47.07%
$-7,531
Dec 20, 2021
$846.00
$16,500
$7,693
-53.37%
$-8,807
Jan 18, 2022
$810.00
$17,000
$7,866
-53.73%
$-9,134
Feb 18, 2022
$734.00
$17,500
$7,628
-56.41%
$-9,872
Mar 18, 2022
$666.00
$18,000
$7,421
-58.77%
$-10,579
Apr 18, 2022
$596.00
$18,500
$7,141
-61.40%
$-11,359
May 18, 2022
$500.00
$19,000
$6,491
-65.84%
$-12,509
Jun 21, 2022
$494.00
$19,500
$6,913
-64.55%
$-12,587
Jul 18, 2022
$414.00
$20,000
$6,293
-68.53%
$-13,707
Aug 18, 2022
$490.00
$20,500
$7,949
-61.23%
$-12,551
Sep 19, 2022
$296.00
$21,000
$5,302
-74.75%
$-15,698
Oct 18, 2022
$242.00
$21,500
$4,835
-77.51%
$-16,665
Nov 18, 2022
$278.00
$22,000
$6,054
-72.48%
$-15,946
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Frequently Asked Questions
Common questions about DCA investing in UP
Investing $500 per month in Wheels Up Experience Inc. (UP) over the past 5 years would be worth approximately $4K today. That's -90.5% total return on $43K invested, with a -35.0% compound annual growth rate (CAGR).