DCA history · S&P 500 (Total Return)
S&P 500 (Total Return) DCA since 2022: $100 monthly
Investing $100 every month into S&P 500 (Total Return) since 1 January 2022 (58 buys, $5,800 in total) would be worth $9,001 today (+55.20%).
Backtest 1 January 2022 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$9,001
+55.20% · +18.43%/yr
- Invested
- $5,800.00
- Buys
- 58
- Average cost
- $11,091.25
Lump sum, day one
Winner$9,997
+72.36%
- Invested
- $5,800.00
- Bought at
- $9,986.70
- Max drawdown
- 24.49%
Perfect timing (hindsight)
$13,156
+126.82%
- Bought on
- 12 Oct 2022
- At a price of
- $7,588.90
- 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 23.2% of days, with the longest unbroken stretch lasting 161 days (to 26 Jan 2023). The worst moment was 16 Jun 2022, when it was down 16.1% on what had been invested. It has been in profit continuously since 30 Mar 2023. The average cost per unit was $11,091.25 against a price today of $17,213.39 (+55.20%). The cheapest buy was $7,603.14 on 1 Oct 2022 and the priciest $17,194.24 on 1 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2022 | $1,200 | $1,127 | -6.12% |
| 31 Dec 2023 | $2,400 | $2,784 | +15.99% |
| 31 Dec 2024 | $3,600 | $4,812 | +33.66% |
| 31 Dec 2025 | $4,800 | $7,014 | +46.13% |
| 22 Oct 2026 | $5,800 | $9,001 | +55.20% |
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 2022 be worth today?
- Investing $100 every month into S&P 500 (Total Return) since 1 January 2022 (58 buys, $5,800 in total) would be worth $9,001 today (+55.20%).
- Was DCA better than a lump sum for S&P 500 (Total Return) since 2022?
- Investing the same $5,800 in one go on 1 January 2022 would be worth $9,997 today (+72.36%), 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 2022?
- The plan was worth less than the money invested on 23.2% of days, with the longest stretch lasting 161 days (ending 26 Jan 2023).