DCA history · S&P 500
S&P 500 DCA since 2007: $100 weekly
Investing $100 every week into S&P 500 since 1 January 2007 (1,034 buys, $103,400 in total) would be worth $388,780 today (+276.00%).
Backtest 1 January 2007 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$388,780
+276.00% · +11.99%/yr
- Invested
- $103,400.00
- Buys
- 1,034
- Average cost
- $2,042.60
Lump sum, day one
Winner$559,910
+441.50%
- Invested
- $103,400.00
- Bought at
- $1,418.30
- Max drawdown
- 56.78%
Perfect timing (hindsight)
$1,173,814
+1035.22%
- Bought on
- 9 Mar 2009
- At a price of
- $676.53
- 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 15% of days, with the longest unbroken stretch lasting 806 days (to 15 Mar 2010). The worst moment was 9 Mar 2009, when it was down 45.6% on what had been invested. It has been in profit continuously since 28 Nov 2011. The average cost per unit was $2,042.60 against a price today of $7,680.08 (+276.00%). The cheapest buy was $676.53 on 9 Mar 2009 and the priciest $7,807.24 on 12 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2007 | $5,300 | $5,280 | -0.37% |
| 31 Dec 2008 | $10,500 | $7,226 | -31.18% |
| 31 Dec 2009 | $15,700 | $15,142 | -3.56% |
| 31 Dec 2010 | $20,900 | $22,831 | +9.24% |
| 31 Dec 2011 | $26,100 | $28,007 | +7.31% |
| 31 Dec 2012 | $31,400 | $37,254 | +18.64% |
| 31 Dec 2013 | $36,600 | $54,148 | +47.95% |
| 31 Dec 2014 | $41,800 | $65,872 | +57.59% |
| 31 Dec 2015 | $47,000 | $70,557 | +50.12% |
| 31 Dec 2016 | $52,200 | $82,864 | +58.74% |
| 31 Dec 2017 | $57,400 | $104,652 | +82.32% |
| 31 Dec 2018 | $62,700 | $102,982 | +64.25% |
| 31 Dec 2019 | $67,900 | $138,497 | +103.97% |
| 31 Dec 2020 | $73,100 | $167,160 | +128.67% |
| 31 Dec 2021 | $78,300 | $217,948 | +178.35% |
| 31 Dec 2022 | $83,500 | $180,466 | +116.13% |
| 31 Dec 2023 | $88,700 | $230,001 | +159.30% |
| 31 Dec 2024 | $94,000 | $289,385 | +207.86% |
| 31 Dec 2025 | $99,200 | $342,571 | +245.33% |
| 22 Oct 2026 | $103,400 | $388,780 | +276.00% |
Try a different start
Weekly $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 week in S&P 500 since 2007 be worth today?
- Investing $100 every week into S&P 500 since 1 January 2007 (1,034 buys, $103,400 in total) would be worth $388,780 today (+276.00%).
- Was DCA better than a lump sum for S&P 500 since 2007?
- Investing the same $103,400 in one go on 1 January 2007 would be worth $559,910 today (+441.50%), 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 2007?
- The plan was worth less than the money invested on 15% of days, with the longest stretch lasting 806 days (ending 15 Mar 2010).