Stock Backtest · DCA Simulator
Set a monthly investment amount and period, then compare historical returns for up to 5 tickers. Supports leveraged ETFs, big tech, and dividend ETFs.
Leveraged ETF · NASDAQ
Leveraged ETF · S&P 500
US Big Tech
Dividend ETF
Others
How it works
- Monthly DCA: Buy shares each month at that month's adjusted close price. Fractional shares are included for precision.
- Adjusted Close (Adj. Close): Prices adjusted for dividends and stock splits — the most accurate reflection of long-term investment returns.
- Approximate CAGR: (Final value ÷ Total invested)^(1/years) − 1. This is an approximation for DCA since contributions are spread over time.
- Max Drawdown (MDD): The largest peak-to-trough decline in portfolio value — shows the worst loss you'd have endured during the period.
Who is this useful for?
Compare QQQ (1×), QLD (2×), and TQQQ (3×) under identical conditions to see leverage gains vs. drawdown risk intuitively.
Compare Tesla or NVIDIA against QQQ or SPY with the same investment amount to see concentrated vs. diversified investment performance.
Verify how long-term DCA investing has actually performed using historical data and stress-test your own investment approach.
FAQ
Why do leveraged ETFs underperform over the long term?
Leveraged ETFs target 2× or 3× daily returns. In volatile markets, volatility decay causes long-term returns to fall below the expected multiple. In strong uptrends, they can significantly outperform.
What is DCA (Dollar Cost Averaging)?
Dollar Cost Averaging means investing a fixed amount every month. You buy more shares when prices are low and fewer when high, which lowers your average cost over time.
Does past performance guarantee future returns?
No. This tool is a simulation based on historical data. Past performance does not guarantee future returns. Always make investment decisions based on your own judgment and professional advice.
Where does the data come from?
We use Adjusted Close Price data from Yahoo Finance. Adjusted prices account for dividend reinvestment and stock splits, making them the best proxy for actual long-term returns. Data is cached for 24 hours.
Can I compare Bitcoin?
Yes, select BTC-USD to compare Bitcoin directly against stocks and ETFs. Bitcoin carries extreme volatility — understand the risks thoroughly before using it as a reference.
Do you recommend high-risk products like TQQQ?
No. Leveraged ETFs are designed for short-term trading. For long-term DCA investing, they carry significant volatility decay risk. This tool is for informational purposes only.
Related tools
This backtest is for informational purposes based on historical data. Past performance does not guarantee future returns. All investment decisions are your own responsibility — consult a professional before major decisions. Data source: Yahoo Finance Adjusted Close.