Bitcoin DCA calculator
Backtest dollar-cost averaging on Bitcoin or Ethereum. Pick how much and how often you would have bought, and see what it would be worth today — and how it compares to buying everything at once.
How this DCA calculator works
Dollar-cost averaging (DCA) means investing the same dollar amount on a fixed schedule instead of all at once. Enter your amount and frequency, and the tool steps through real daily closing prices for Bitcoin or Ethereum — from your start date to your end date — buying your amount on each scheduled day.
It then shows you three things: how much you put in, how many coins that bought, and what those coins are worth at the latest close. The average cost is your total invested divided by coins owned — the price your coins need to stay above for you to be in profit.
DCA vs. lump-sum investing
The calculator also shows what would have happened if you invested the same total on day one. In a rising market, lump sum usually wins because your money was in the market longer. DCA wins when prices fall after you start — your later purchases buy cheaper coins. For most beginners, DCA is the safer choice because it removes the pressure to time the market.
How to read the results
- Total invested — the gross cash you contributed.
- Coins accumulated — how much BTC or ETH you would own.
- Portfolio value — your coins priced at the latest close.
- Total return — profit or loss, in dollars and percent.
- Average cost — your break-even price per coin.
A fee of 0% is the default; raise it to see how exchange fees quietly reduce long-run returns.
Frequently asked questions
Is dollar-cost averaging profitable?
DCA does not guarantee a profit. It reduces the risk of buying everything at a peak by spreading purchases over time, which smooths out your average entry price. In a long bull market, lump sum often beats DCA; in a choppy or falling market, DCA usually comes out ahead.
How far back does the price data go?
Daily closing prices for Bitcoin and Ethereum from Binance, starting August 2017 and running through the latest close. Prices before August 2017 are not included, so backtests are limited to that window.
Does the calculator include trading fees?
You can enter a fee percentage (default 0%). Fees reduce the coins each purchase buys, so you can see their long-run impact directly.
Start your own DCA plan
Ready to put dollar-cost averaging to work? Open a Binance account and set up a recurring buy.
This calculator is educational only and is not financial advice. Results are historical estimates using past prices; past performance does not predict future returns. Cryptocurrency is volatile and you can lose money.