DCA history · S&P 500
S&P 500 DCA since 2023: $100 weekly
Investing $100 every week into S&P 500 since 1 January 2023 (199 buys, $19,900 in total) would be worth $27,840 today (+39.90%).
Backtest 1 January 2023 to 22 October 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$27,840
+39.90% · +18.18%/yr
- Invested
- $19,900.00
- Buys
- 199
- Average cost
- $5,488.97
Lump sum, day one
Winner$39,801
+100.00%
- Invested
- $19,900.00
- Bought at
- $3,839.50
- Max drawdown
- 18.9%
Perfect timing (hindsight)
$40,129
+101.65%
- Bought on
- 5 Jan 2023
- At a price of
- $3,808.10
- 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 2.9% of days, with the longest unbroken stretch lasting 14 days (to 20 Mar 2023). The worst moment was 10 Mar 2023, when it was down 3.6% on what had been invested. It has been in profit continuously since 1 Nov 2023. The average cost per unit was $5,488.97 against a price today of $7,679.18 (+39.90%). The cheapest buy was $3,839.50 on 1 Jan 2023 and the priciest $7,811.54 on 11 Oct 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2023 | $5,300 | $5,920 | +11.71% |
| 31 Dec 2024 | $10,500 | $12,955 | +23.38% |
| 31 Dec 2025 | $15,700 | $20,849 | +32.80% |
| 22 Oct 2026 | $19,900 | $27,840 | +39.90% |
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 2023 be worth today?
- Investing $100 every week into S&P 500 since 1 January 2023 (199 buys, $19,900 in total) would be worth $27,840 today (+39.90%).
- Was DCA better than a lump sum for S&P 500 since 2023?
- Investing the same $19,900 in one go on 1 January 2023 would be worth $39,801 today (+100.00%), 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 2023?
- The plan was worth less than the money invested on 2.9% of days, with the longest stretch lasting 14 days (ending 20 Mar 2023).