DCA history · S&P 500 (Total Return)
S&P 500 (Total Return) DCA since 2023: $100 monthly
Investing $100 every month into S&P 500 (Total Return) since 1 January 2023 (46 buys, $4,600 in total) would be worth $6,630 today (+44.14%).
Backtest 1 January 2023 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$6,630
+44.14% · +19.60%/yr
- Invested
- $4,600.00
- Buys
- 46
- Average cost
- $11,942.32
Lump sum, day one
Winner$9,682
+110.48%
- Invested
- $4,600.00
- Bought at
- $8,178.02
- Max drawdown
- 18.75%
Perfect timing (hindsight)
$9,760
+112.17%
- Bought on
- 5 Jan 2023
- At a price of
- $8,113.15
- 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 1.5% of days, with the longest unbroken stretch lasting 7 days (to 15 Mar 2023). The worst moment was 13 Mar 2023, when it was down 2.6% on what had been invested. It has been in profit continuously since 31 Oct 2023. The average cost per unit was $11,942.32 against a price today of $17,213.39 (+44.14%). The cheapest buy was $8,178.02 on 1 Jan 2023 and the priciest $17,194.24 on 1 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2023 | $1,200 | $1,361 | +13.43% |
| 31 Dec 2024 | $2,400 | $3,033 | +26.38% |
| 31 Dec 2025 | $3,600 | $4,918 | +36.61% |
| 22 Oct 2026 | $4,600 | $6,630 | +44.14% |
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 2023 be worth today?
- Investing $100 every month into S&P 500 (Total Return) since 1 January 2023 (46 buys, $4,600 in total) would be worth $6,630 today (+44.14%).
- Was DCA better than a lump sum for S&P 500 (Total Return) since 2023?
- Investing the same $4,600 in one go on 1 January 2023 would be worth $9,682 today (+110.48%), 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 2023?
- The plan was worth less than the money invested on 1.5% of days, with the longest stretch lasting 7 days (ending 15 Mar 2023).