Comparison
What if $500/month grew at 7%, 8%, or 10%?
Hypothetical compound growth — not a market forecast. Useful for planning; SteadyGrow uses historical prices instead of a fixed rate.
| Assumption | Contributed | Ending value |
|---|---|---|
| 7% / year | $120,000 | $260,463 |
| 8% / year | $120,000 | $294,510 |
| 10% / year | $120,000 | $379,684 |
Those rows are a fixed-rate illustration, not a forecast. Below is the same monthly habit on historical S&P 500 prices.
2015-01-02 → 2026-08-28
$500/month · Monthly DCA · S&P 500
Contributed$70,266
Blind DCA value$183,488
Return+161.1%
SteadyGrow value$237,645
vs blind DCA+$54,157
Lump sum (same capital)$317,564
S&P 5002015-01-02 → 2026-08-28 · $500/month
+$54,157 vs blind (+29.5%)Ended +29.5%
Blind DCASteadyGrow
What if your contribution wasn't always the same?
Blind DCA deploys $500/month every period. SteadyGrow keeps the same long-term habit but sizes weeks from valuation and regime — more when markets are cheap, less when they're stretched.