DCA history · S&P 500
S&P 500 DCA since 2022: $100 monthly
Investing $100 every month into S&P 500 since 1 January 2022 (58 buys, $5,800 in total) would be worth $8,684 today (+49.73%).
Backtest 1 January 2022 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$8,684
+49.73% · +16.90%/yr
- Invested
- $5,800.00
- Buys
- 58
- Average cost
- $5,125.86
Lump sum, day one
Winner$9,339
+61.03%
- Invested
- $5,800.00
- Bought at
- $4,766.18
- Max drawdown
- 25.43%
Perfect timing (hindsight)
$12,444
+114.56%
- Bought on
- 12 Oct 2022
- At a price of
- $3,577.03
- 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 24.6% of days, with the longest unbroken stretch lasting 166 days (to 31 Jan 2023). The worst moment was 16 Jun 2022, when it was down 16.4% on what had been invested. It has been in profit continuously since 30 Oct 2023. The average cost per unit was $5,125.86 against a price today of $7,674.76 (+49.73%). The cheapest buy was $3,585.62 on 1 Oct 2022 and the priciest $7,666.45 on 1 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2022 | $1,200 | $1,116 | -6.97% |
| 31 Dec 2023 | $2,400 | $2,736 | +13.99% |
| 31 Dec 2024 | $3,600 | $4,695 | +30.41% |
| 31 Dec 2025 | $4,800 | $6,797 | +41.60% |
| 22 Oct 2026 | $5,800 | $8,684 | +49.73% |
Try a different start
Monthly $100 into S&P 500, 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 since 2022 be worth today?
- Investing $100 every month into S&P 500 since 1 January 2022 (58 buys, $5,800 in total) would be worth $8,684 today (+49.73%).
- Was DCA better than a lump sum for S&P 500 since 2022?
- Investing the same $5,800 in one go on 1 January 2022 would be worth $9,339 today (+61.03%), 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 DCA underwater since 2022?
- The plan was worth less than the money invested on 24.6% of days, with the longest stretch lasting 166 days (ending 31 Jan 2023).