DCA history · S&P 500 (Total Return)
S&P 500 (Total Return) DCA since 2024: $100 monthly
Investing $100 every month into S&P 500 (Total Return) since 1 January 2024 (34 buys, $3,400 in total) would be worth $4,362 today (+28.29%).
Backtest 1 January 2024 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$4,362
+28.29% · +18.21%/yr
- Invested
- $3,400.00
- Buys
- 34
- Average cost
- $13,418.02
Lump sum, day one
Winner$5,667
+66.67%
- Invested
- $3,400.00
- Bought at
- $10,327.83
- Max drawdown
- 18.75%
Perfect timing (hindsight)
$5,764
+69.52%
- Bought on
- 4 Jan 2024
- At a price of
- $10,154.20
- 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 3.2% of days, with the longest unbroken stretch lasting 14 days (to 23 Apr 2025). The worst moment was 8 Apr 2025, when it was down 8.0% on what had been invested. It has been in profit continuously since 24 Apr 2025. The average cost per unit was $13,418.02 against a price today of $17,213.39 (+28.29%). The cheapest buy was $10,327.83 on 1 Jan 2024 and the priciest $17,194.24 on 1 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2024 | $1,200 | $1,331 | +10.95% |
| 31 Dec 2025 | $2,400 | $2,912 | +21.33% |
| 22 Oct 2026 | $3,400 | $4,362 | +28.29% |
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 2024 be worth today?
- Investing $100 every month into S&P 500 (Total Return) since 1 January 2024 (34 buys, $3,400 in total) would be worth $4,362 today (+28.29%).
- Was DCA better than a lump sum for S&P 500 (Total Return) since 2024?
- Investing the same $3,400 in one go on 1 January 2024 would be worth $5,667 today (+66.67%), 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 2024?
- The plan was worth less than the money invested on 3.2% of days, with the longest stretch lasting 14 days (ending 23 Apr 2025).