DCA history · S&P 500
S&P 500 DCA since 2009: $100 weekly
Investing $100 every week into S&P 500 since 1 January 2009 (930 buys, $93,000 in total) would be worth $327,523 today (+252.17%).
Backtest 1 January 2009 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$327,523
+252.17% · +12.81%/yr
- Invested
- $93,000.00
- Buys
- 930
- Average cost
- $2,180.76
Lump sum, day one
Winner$790,753
+750.27%
- Invested
- $93,000.00
- Bought at
- $903.25
- Max drawdown
- 33.92%
Perfect timing (hindsight)
$1,055,751
+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 1.1% of days, with the longest unbroken stretch lasting 41 days (to 22 Mar 2009). The worst moment was 9 Mar 2009, when it was down 17.2% on what had been invested. It has been in profit continuously since 1 Apr 2009. The average cost per unit was $2,180.76 against a price today of $7,680.08 (+252.17%). The cheapest buy was $682.55 on 5 Mar 2009 and the priciest $7,798.99 on 13 Aug 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2009 | $5,300 | $6,316 | +19.17% |
| 31 Dec 2010 | $10,500 | $12,870 | +22.57% |
| 31 Dec 2011 | $15,700 | $18,039 | +14.90% |
| 31 Dec 2012 | $20,900 | $25,839 | +23.63% |
| 31 Dec 2013 | $26,100 | $39,365 | +50.82% |
| 31 Dec 2014 | $31,300 | $49,406 | +57.85% |
| 31 Dec 2015 | $36,600 | $54,300 | +48.36% |
| 31 Dec 2016 | $41,800 | $65,047 | +55.61% |
| 31 Dec 2017 | $47,000 | $83,369 | +77.38% |
| 31 Dec 2018 | $52,200 | $82,923 | +58.86% |
| 31 Dec 2019 | $57,400 | $112,658 | +96.27% |
| 31 Dec 2020 | $62,700 | $137,220 | +118.85% |
| 31 Dec 2021 | $67,900 | $179,943 | +165.01% |
| 31 Dec 2022 | $73,100 | $149,855 | +105.00% |
| 31 Dec 2023 | $78,300 | $191,974 | +145.18% |
| 31 Dec 2024 | $83,500 | $242,384 | +190.28% |
| 31 Dec 2025 | $88,700 | $287,874 | +224.55% |
| 22 Oct 2026 | $93,000 | $327,523 | +252.17% |
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 2009 be worth today?
- Investing $100 every week into S&P 500 since 1 January 2009 (930 buys, $93,000 in total) would be worth $327,523 today (+252.17%).
- Was DCA better than a lump sum for S&P 500 since 2009?
- Investing the same $93,000 in one go on 1 January 2009 would be worth $790,753 today (+750.27%), 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 2009?
- The plan was worth less than the money invested on 1.1% of days, with the longest stretch lasting 41 days (ending 22 Mar 2009).