Dollar cost averaging (DCA) in ZBIO 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+26.6%
Final Value$26.0K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return+14.7%
Final Value$22.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return+2.5%
Final Value$21.0K
Worst possible — still beats not investing
Best vs Worst gap24.1 pp
Your timing vs best-11.9%
Your timing vs worst+12.2%
If You Keep Investing…
Based on this stock's historical CAGR of 8.2%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$20K~1.1x your moneyfrom $18K invested
5 Years$37K~1.2x your moneyfrom $30K invested
10 Years$91K~1.5x your moneyfrom $60K invested
20 Years$292K~2.4x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.1x your money
5 Years~1.2x your money
10 Years~1.5x your money
20 Years~2.4x your money
$100/mo
$4K+$450 est. gain
$7K+$1K est. gain
$18K+$6K est. gain
$58K+$34K est. gain
$250/mo
$10K+$1K est. gain
$18K+$3K est. gain
$46K+$16K est. gain
$146K+$86K est. gain
$500/mo
$20K+$2K est. gain
$37K+$7K est. gain
$91K+$31K est. gain
$292K+$172K est. gain
$1,000/mo
$40K+$4K est. gain
$73K+$13K est. gain
$182K+$62K est. gain
$585K+$345K est. gain
* Projection assumes historical CAGR of 8.2% continues. Actual returns will vary.
Your DCA Results by Date
21 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Sep 16, 2024
$17.97
$10,000
$10,000
+0.00%
$0
Oct 16, 2024
$19.49
$10,500
$11,346
+8.06%
$846
Nov 18, 2024
$15.09
$11,000
$9,284
-15.60%
$-1,716
Dec 16, 2024
$8.77
$11,500
$5,896
-48.73%
$-5,604
Jan 16, 2025
$7.78
$12,000
$5,730
-52.25%
$-6,270
Feb 18, 2025
$6.65
$12,500
$5,398
-56.82%
$-7,102
Mar 17, 2025
$8.43
$13,000
$7,343
-43.52%
$-5,657
Apr 16, 2025
$8.33
$13,500
$7,756
-42.55%
$-5,744
May 16, 2025
$10.47
$14,000
$10,248
-26.80%
$-3,752
Jun 16, 2025
$9.97
$14,500
$10,259
-29.25%
$-4,241
Jul 16, 2025
$13.07
$15,000
$13,949
-7.01%
$-1,051
Aug 18, 2025
$17.28
$15,500
$18,942
+22.21%
$3,442
Sep 16, 2025
$18.24
$16,000
$20,494
+28.09%
$4,494
Oct 16, 2025
$24.21
$16,500
$27,702
+67.89%
$11,202
Nov 17, 2025
$35.88
$17,000
$41,555
+144.44%
$24,555
Dec 16, 2025
$32.09
$17,500
$37,666
+115.23%
$20,166
Jan 16, 2026
$20.16
$18,000
$24,163
+34.24%
$6,163
Feb 17, 2026
$26.29
$18,500
$32,010
+73.03%
$13,510
Mar 16, 2026
$23.23
$19,000
$28,784
+51.50%
$9,784
Apr 16, 2026
$21.76
$19,500
$27,463
+40.83%
$7,963
May 18, 2026
$16.91
$20,000
$21,842
+9.21%
$1,842
Frequently Asked Questions
Common questions about DCA investing in ZBIO
Investing $500 per month in Zenas BioPharma, Inc. (ZBIO) over the past 2 years would be worth approximately $23K today. That's +14.7% total return on $20K invested, with a +8.2% compound annual growth rate (CAGR).