Dollar cost averaging (DCA) in USFD 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+149.1%
Final Value$119.6K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+131.3%
Final Value$111.0K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+116.6%
Final Value$104.0K
Worst possible — still beats not investing
Best vs Worst gap32.5 pp
Your timing vs best-17.8%
Your timing vs worst+14.7%
If You Keep Investing…
Based on this stock's historical CAGR of 14.1%/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$42K~1.4x your moneyfrom $30K invested
10 Years$124K~2.1x your moneyfrom $60K invested
20 Years$591K~4.9x 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~2.1x your money
20 Years~4.9x your money
$100/mo
$4K+$795 est. gain
$8K+$2K est. gain
$25K+$13K est. gain
$118K+$94K est. gain
$250/mo
$11K+$2K est. gain
$21K+$6K est. gain
$62K+$32K est. gain
$295K+$235K est. gain
$500/mo
$22K+$4K est. gain
$42K+$12K est. gain
$124K+$64K est. gain
$591K+$471K est. gain
$1,000/mo
$44K+$8K est. gain
$85K+$25K est. gain
$248K+$128K est. gain
$1.2M+$942K est. gain
* Projection assumes historical CAGR of 14.1% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$40.98
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$39.89
$10,500
$10,234
-2.53%
$-266
Mar 2, 2020
$34.78
$11,000
$9,423
-14.34%
$-1,577
Apr 2, 2020
$15.12
$11,500
$4,596
-60.03%
$-6,904
May 4, 2020
$19.94
$12,000
$6,562
-45.32%
$-5,438
Jun 2, 2020
$19.84
$12,500
$7,029
-43.77%
$-5,471
Jul 2, 2020
$19.70
$13,000
$7,479
-42.47%
$-5,521
Aug 3, 2020
$20.12
$13,500
$8,139
-39.71%
$-5,361
Sep 2, 2020
$24.48
$14,000
$10,402
-25.70%
$-3,598
Oct 2, 2020
$22.80
$14,500
$10,188
-29.73%
$-4,312
Nov 2, 2020
$21.43
$15,000
$10,076
-32.82%
$-4,924
Dec 2, 2020
$32.56
$15,500
$15,810
+2.00%
$310
Jan 4, 2021
$32.44
$16,000
$16,251
+1.57%
$251
Feb 2, 2021
$32.96
$16,500
$17,012
+3.10%
$512
Mar 2, 2021
$37.09
$17,000
$19,643
+15.55%
$2,643
Apr 5, 2021
$38.17
$17,500
$20,715
+18.37%
$3,215
May 3, 2021
$40.83
$18,000
$22,659
+25.88%
$4,659
Jun 2, 2021
$38.93
$18,500
$22,105
+19.48%
$3,605
Jul 2, 2021
$37.67
$19,000
$21,889
+15.21%
$2,889
Aug 2, 2021
$33.57
$19,500
$20,007
+2.60%
$507
Sep 2, 2021
$33.74
$20,000
$20,608
+3.04%
$608
Oct 4, 2021
$36.06
$20,500
$22,525
+9.88%
$2,025
Nov 2, 2021
$35.77
$21,000
$22,844
+8.78%
$1,844
Dec 2, 2021
$31.41
$21,500
$20,560
-4.37%
$-940
Jan 3, 2022
$35.62
$22,000
$23,815
+8.25%
$1,815
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Frequently Asked Questions
Common questions about DCA investing in USFD
Investing $500 per month in US Foods Holding Corp. (USFD) over the past 6 years would be worth approximately $111K today. That's +131.3% total return on $48K invested, with a +14.1% compound annual growth rate (CAGR).