Dollar cost averaging (DCA) in XOM 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+153.3%
Final Value$121.6K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+142.2%
Final Value$116.2K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+130.0%
Final Value$110.4K
Worst possible — still beats not investing
Best vs Worst gap23.3 pp
Your timing vs best-11.1%
Your timing vs worst+12.2%
If You Keep Investing…
Based on this stock's historical CAGR of 15.0%/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$43K~1.4x your moneyfrom $30K invested
10 Years$130K~2.2x your moneyfrom $60K invested
20 Years$654K~5.4x 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~2.2x your money
20 Years~5.4x your money
$100/mo
$4K+$845 est. gain
$9K+$3K est. gain
$26K+$14K est. gain
$131K+$107K est. gain
$250/mo
$11K+$2K est. gain
$22K+$7K est. gain
$65K+$35K est. gain
$327K+$267K est. gain
$500/mo
$22K+$4K est. gain
$43K+$13K est. gain
$130K+$70K est. gain
$654K+$534K est. gain
$1,000/mo
$44K+$8K est. gain
$86K+$26K est. gain
$260K+$140K est. gain
$1.3M+$1.1M est. gain
* Projection assumes historical CAGR of 15.0% continues. Actual returns will vary.
Your DCA Results by Date
77 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$70.90
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$60.73
$10,500
$9,066
-13.66%
$-1,434
Mar 2, 2020
$53.88
$11,000
$8,660
-21.28%
$-2,340
Apr 2, 2020
$40.40
$11,500
$6,993
-39.19%
$-4,507
May 4, 2020
$44.88
$12,000
$8,269
-31.09%
$-3,731
Jun 2, 2020
$47.31
$12,500
$9,388
-24.89%
$-3,112
Jul 2, 2020
$44.08
$13,000
$9,247
-28.87%
$-3,753
Aug 3, 2020
$42.25
$13,500
$9,363
-30.64%
$-4,137
Sep 2, 2020
$39.19
$14,000
$9,357
-33.17%
$-4,643
Oct 2, 2020
$32.98
$14,500
$8,374
-42.25%
$-6,126
Nov 2, 2020
$33.99
$15,000
$9,130
-39.13%
$-5,870
Dec 2, 2020
$39.94
$15,500
$11,482
-25.92%
$-4,018
Jan 4, 2021
$41.50
$16,000
$12,430
-22.31%
$-3,570
Feb 2, 2021
$45.63
$16,500
$14,167
-14.14%
$-2,333
Mar 2, 2021
$56.07
$17,000
$18,208
+7.11%
$1,208
Apr 5, 2021
$56.50
$17,500
$18,848
+7.70%
$1,348
May 3, 2021
$58.82
$18,000
$20,122
+11.79%
$2,122
Jun 2, 2021
$60.94
$18,500
$21,649
+17.02%
$3,149
Jul 2, 2021
$63.17
$19,000
$22,941
+20.74%
$3,941
Aug 2, 2021
$57.58
$19,500
$21,411
+9.80%
$1,911
Sep 2, 2021
$55.08
$20,000
$21,292
+6.46%
$1,292
Oct 4, 2021
$61.72
$20,500
$24,359
+18.82%
$3,859
Nov 2, 2021
$64.82
$21,000
$26,082
+24.20%
$5,082
Dec 2, 2021
$61.28
$21,500
$25,496
+18.59%
$3,996
Jan 3, 2022
$63.54
$22,000
$26,936
+22.44%
$4,936
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Frequently Asked Questions
Common questions about DCA investing in XOM
Investing $500 per month in Exxon Mobil Corporation (XOM) over the past 6 years would be worth approximately $116K today. That's +142.2% total return on $48K invested, with a +15.0% compound annual growth rate (CAGR). This includes $11K from reinvested dividends.