DCA history · S&P 500 (Total Return)
S&P 500 (Total Return) DCA since 2007: $100 monthly
Investing $100 every month into S&P 500 (Total Return) since 1 January 2007 (238 buys, $23,800 in total) would be worth $113,068 today (+375.07%).
Backtest 1 January 2007 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$113,068
+375.07% · +13.91%/yr
- Invested
- $23,800.00
- Buys
- 238
- Average cost
- $3,625.41
Lump sum, day one
Winner$187,508
+687.85%
- Invested
- $23,800.00
- Bought at
- $2,186.13
- Max drawdown
- 55.25%
Perfect timing (hindsight)
$374,339
+1472.85%
- Bought on
- 9 Mar 2009
- At a price of
- $1,095.04
- Not a plan you could follow
How it would have felt
Over this period the plan was worth less than the money you’d put in on 12.9% of days, with the longest unbroken stretch lasting 722 days (to 23 Dec 2009). The worst moment was 9 Mar 2009, when it was down 44.5% on what had been invested. It has been in profit continuously since 4 Oct 2011. The average cost per unit was $3,625.41 against a price today of $17,223.37 (+375.07%). The cheapest buy was $1,188.84 on 1 Mar 2009 and the priciest $17,194.24 on 1 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2007 | $1,200 | $1,209 | +0.75% |
| 31 Dec 2008 | $2,400 | $1,656 | -30.99% |
| 31 Dec 2009 | $3,600 | $3,568 | -0.88% |
| 31 Dec 2010 | $4,800 | $5,465 | +13.85% |
| 31 Dec 2011 | $6,000 | $6,781 | +13.01% |
| 31 Dec 2012 | $7,200 | $9,130 | +26.81% |
| 31 Dec 2013 | $8,400 | $13,478 | +60.46% |
| 31 Dec 2014 | $9,600 | $16,623 | +73.16% |
| 31 Dec 2015 | $10,800 | $18,063 | +67.25% |
| 31 Dec 2016 | $12,000 | $21,525 | +79.37% |
| 31 Dec 2017 | $13,200 | $27,559 | +108.78% |
| 31 Dec 2018 | $14,400 | $27,456 | +90.67% |
| 31 Dec 2019 | $15,600 | $37,467 | +140.17% |
| 31 Dec 2020 | $16,800 | $45,813 | +172.70% |
| 31 Dec 2021 | $18,000 | $60,338 | +235.21% |
| 31 Dec 2022 | $19,200 | $50,537 | +163.21% |
| 31 Dec 2023 | $20,400 | $65,183 | +219.52% |
| 31 Dec 2024 | $21,600 | $82,823 | +283.44% |
| 31 Dec 2025 | $22,800 | $98,974 | +334.10% |
| 22 Oct 2026 | $23,800 | $113,068 | +375.07% |
Try a different start
Monthly $100 into S&P 500 (Total Return), by start year:
Does the start year really matter? Best and worst time to start DCA or DCA vs lump sum, tested on every start month.
Frequently asked questions
- How much would $100 every month in S&P 500 (Total Return) since 2007 be worth today?
- Investing $100 every month into S&P 500 (Total Return) since 1 January 2007 (238 buys, $23,800 in total) would be worth $113,068 today (+375.07%).
- Was DCA better than a lump sum for S&P 500 (Total Return) since 2007?
- Investing the same $23,800 in one go on 1 January 2007 would be worth $187,508 today (+687.85%), so putting it all in on day one came out ahead over this particular period. Which wins depends heavily on the start date.
- How long was S&P 500 (Total Return) DCA underwater since 2007?
- The plan was worth less than the money invested on 12.9% of days, with the longest stretch lasting 722 days (ending 23 Dec 2009).