Dollar cost averaging (DCA) in USAR 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+152.9%
Final Value$43.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+136.8%
Final Value$39.1K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+115.2%
Final Value$36.6K
Worst possible — still beats not investing
Best vs Worst gap37.6 pp
Your timing vs best-16.1%
Your timing vs worst+21.5%
If You Keep Investing…
Based on this stock's historical CAGR of 110.9%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$65K~3.6x your moneyfrom $18K invested
5 Years$317K~10.6x your moneyfrom $30K invested
10 Years$13.5M~225.7x your moneyfrom $60K invested
20 Years$23546.8M~196223.2x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~3.6x your money
5 Years~10.6x your money
10 Years~225.7x your money
20 Years~196223.2x your money
$100/mo
$13K+$9K est. gain
$63K+$57K est. gain
$2.7M+$2.7M est. gain
$4709.4M+$4709.3M est. gain
$250/mo
$33K+$24K est. gain
$159K+$144K est. gain
$6.8M+$6.7M est. gain
$11773.4M+$11773.3M est. gain
$500/mo
$65K+$47K est. gain
$317K+$287K est. gain
$13.5M+$13.5M est. gain
$23546.8M+$23546.7M est. gain
$1,000/mo
$131K+$95K est. gain
$634K+$574K est. gain
$27.1M+$27.0M est. gain
$47093.6M+$47093.3M est. gain
* Projection assumes historical CAGR of 110.9% continues. Actual returns will vary.
Your DCA Results by Date
14 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Mar 10, 2025
$10.91
$10,000
$10,000
+0.00%
$0
Apr 10, 2025
$8.49
$10,500
$8,282
-21.13%
$-2,218
May 12, 2025
$8.78
$11,000
$9,065
-17.59%
$-1,935
Jun 10, 2025
$12.80
$11,500
$13,715
+19.26%
$2,215
Jul 10, 2025
$11.00
$12,000
$12,286
+2.39%
$286
Aug 11, 2025
$15.44
$12,500
$17,746
+41.97%
$5,246
Sep 10, 2025
$13.87
$13,000
$16,441
+26.47%
$3,441
Oct 10, 2025
$32.61
$13,500
$39,155
+190.04%
$25,655
Nov 10, 2025
$17.23
$14,000
$21,188
+51.34%
$7,188
Dec 10, 2025
$16.74
$14,500
$21,086
+45.42%
$6,586
Jan 12, 2026
$17.74
$15,000
$22,845
+52.30%
$7,845
Feb 10, 2026
$21.88
$15,500
$28,677
+85.01%
$13,177
Mar 10, 2026
$20.45
$16,000
$27,303
+70.64%
$11,303
Apr 10, 2026
$16.15
$16,500
$22,062
+33.71%
$5,562
Frequently Asked Questions
Common questions about DCA investing in USAR
Investing $500 per month in USA Rare Earth Inc (USAR) over the past 1 years would be worth approximately $39K today. That's +136.8% total return on $17K invested, with a +110.9% compound annual growth rate (CAGR).