DCA history · S&P 500
S&P 500 DCA since 2025: $100 monthly
Investing $100 every month into S&P 500 since 1 January 2025 (22 buys, $2,200 in total) would be worth $2,558 today (+16.28%).
Backtest 1 January 2025 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$2,558
+16.28% · +17.11%/yr
- Invested
- $2,200.00
- Buys
- 22
- Average cost
- $6,600.23
Lump sum, day one
Winner$2,871
+30.49%
- Invested
- $2,200.00
- Bought at
- $5,881.63
- Max drawdown
- 18.9%
Perfect timing (hindsight)
$3,389
+54.03%
- Bought on
- 8 Apr 2025
- At a price of
- $4,982.77
- 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 13% of days, with the longest unbroken stretch lasting 76 days (to 11 May 2025). The worst moment was 8 Apr 2025, when it was down 15.2% on what had been invested. It has been in profit continuously since 27 May 2025. The average cost per unit was $6,600.23 against a price today of $7,674.76 (+16.28%). The cheapest buy was $5,604.14 on 1 May 2025 and the priciest $7,666.45 on 1 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2025 | $1,200 | $1,333 | +11.07% |
| 22 Oct 2026 | $2,200 | $2,558 | +16.28% |
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 2025 be worth today?
- Investing $100 every month into S&P 500 since 1 January 2025 (22 buys, $2,200 in total) would be worth $2,558 today (+16.28%).
- Was DCA better than a lump sum for S&P 500 since 2025?
- Investing the same $2,200 in one go on 1 January 2025 would be worth $2,871 today (+30.49%), 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 2025?
- The plan was worth less than the money invested on 13% of days, with the longest stretch lasting 76 days (ending 11 May 2025).