S&P 500 · DCA Calculator
How much would you have if you had dollar-cost averaged?
Pick a frequency and amount. Adjusted historical S&P 500 closes, T+1 execution. Every calculation has its own shareable URL.
If you invested $500/month in S&P 500 from 2007-10 to 2026-07...
$413,363
grown from $113,000 invested over 18.8 years. +$300,363 (+265.81%)
Growth over time
Dashed line: cumulative invested · Solid line: portfolio value
Investment schedule
- Per investment
- $500.00
- Frequency
- Monthly
- Window
- 2007-10-01 → 2026-07-13
- Duration
- 18.8 years
- Number of investments
- 226× $500.00 each
Results
- Total invested
- $113,000226 × $500.00
- Final value
- $413,363as of 2026-07-13
- Total return
- +$300,363+265.81%
- Annualized (IRR)
- 12.43%/yrcompounded over 18.8 years
$500/month S&P 500 DCA by start year
Quick-jump to a prebuilt scenario. Each page shows what a $500 monthly DCA into S&P 500 would be worth today if you'd started in January of that year.
Free Guide
S&P 500 Dollar Cost Averaging: The Complete Guide
Strategy breakdown, real historical returns, DCA vs lump sum, tax tips, and how to start with $100.
How we calculate this
- Prices are Yahoo Finance adjusted closes (dividends reinvested, splits applied).
- Investments scheduled on market holidays execute at the next trading day's close (T+1 policy). Bitcoin trades 24/7, so BTC investments execute on the exact scheduled date.
- For daily and weekly schedules, when multiple scheduled days roll forward to the same trading day (e.g., Saturday + Sunday both land on Monday), we count one investment on that day, not two. Daily DCA on stocks works out to ~252 executions per year; on Bitcoin, 365 per year.
- IRR is computed via bisection on cashflow NPV, annualized from monthly cashflows.
- All dates are treated as UTC. Prices are NYSE closing prices (for stocks) or UTC 24-hour closes (for Bitcoin).