Bitcoin DCA calculator
What would a fixed Bitcoin purchase every week or month be worth today? Pick an amount, an interval and a start year.
Bitcoin is cheap right now, close to the bottom line, so you buy more than usual (+173%). Live chart
$100 every month since 2018 You would have invested $10,700, worth $52,839 today (+394% in total, +35% per year).
| Plain DCA | Value-weighted | |
|---|---|---|
| Paid in | $10,700 | $10,700 |
| Bitcoin bought | 0.6559 BTC | 0.7264 BTC |
| Cash not yet spent | – | $0 |
| Average price | $16,315 | $14,731 |
| Worth today | $52,839 | $58,520 |
| Total return | +394% | +447% |
| Return per year | +35% | +37% |
107 purchases at the daily price, valued at today's $80,565. Value-weighted: the same savings, spent 4× at the bottom, 1× halfway, ¼× at the top; unspent money stays as cash. No fees. Return per year: the yearly interest rate at which your payments would have grown to today's value (internal rate of return).
- Plain DCA value
- Value-weighted value
- Paid in
By start year
| Since | Invested | Worth today | Total | Per year | Weighted per year |
|---|---|---|---|---|---|
| 2025 | $2,300 | $2,184 | −5% | −5% | −5% |
| 2024 | $3,500 | $3,786 | +8% | +6% | +5% |
| 2023 | $4,700 | $7,420 | +58% | +25% | +25% |
| 2022 | $5,900 | $11,064 | +88% | +27% | +28% |
| 2021 | $7,100 | $13,307 | +87% | +22% | +27% |
| 2020 | $8,300 | $23,300 | +181% | +30% | +33% |
| 2019 | $9,500 | $39,612 | +317% | +36% | +37% |
| 2018 | $10,700 | $52,839 | +394% | +35% | +37% |
| 2017 | $11,900 | $103,829 | +773% | +42% | +42% |
| 2016 | $13,100 | $290,038 | +2,114% | +53% | +53% |
| 2015 | $14,300 | $660,312 | +4,518% | +60% | +60% |
| 2014 | $15,500 | $852,915 | +5,403% | +56% | +58% |
| 2013 | $16,700 | $2,647,114 | +15,751% | +66% | +66% |
$100 every month, valued at today's price. Total: gain on everything paid in. Per year: the yearly interest rate that gives the same result. Weighted: the value-weighted plan with the same savings.
Why a savings plan
Bitcoin often moves 50% or more within a year. Nobody reliably picks the bottom, and buying everything at once at the wrong moment can mean years of losses. A fixed amount at fixed intervals takes that decision away: you buy through crashes and rallies alike and end up with an average price.
Buying more when it is cheap
The second column keeps the same savings but spends them by a simple rule: the closer Bitcoin is to the bottom line, the more it buys, and the closer to the top, the less. What it does not spend waits as cash for cheaper days. The position is the same one the bar on the live chart shows; the lines are explained on the fair value page.
Questions
What is dollar-cost averaging (DCA)?
Buying a fixed amount at fixed intervals, for example $100 every month, regardless of the price. You buy more Bitcoin when it is cheap and less when it is expensive, and you never have to pick the right day.
Has DCA in Bitcoin worked so far?
With $100 every month since 2018, you would have invested $10,700 and hold $52,839 today. Of the plans started in 2013 to 2025, only the one from 2025 is below what was paid in today. Along the way there were long stretches of losses, and the past is no guarantee.
Weekly or monthly?
Over several years the difference is small. Weekly smooths the entry price a little more, monthly means fewer purchases and fees. Switch the interval above to compare.
What is value-weighted DCA?
You save the same amount every time, but how much of it you spend depends on where Bitcoin stands between the bottom and the top line: 4× the amount at the bottom, 1× halfway, ¼× at the top. Money not spent stays saved and is used when Bitcoin is cheaper. Over the start years 2013 to 2025 it ended ahead of plain DCA in 11 of 13. The lines come from a model fitted to all past prices, so this comparison flatters the rule: the direction holds, the exact numbers are optimistic.
Should I sell near the top?
Mostly it did not pay off. We tested the weighted plan with an extra rule: sell 5% of the Bitcoin every month while the price is in the top fifth of the range. 7 of 13 start years ended with less, by up to 4,784 percentage points of return. 2 (2020, 2021) ended with more, by at most 22 points. Bitcoin kept rising after every peak, so what was sold was missing in the next cycle; plans that never reached the top fifth never sold.
Model estimates, not a promise: past behaviour is no guarantee for the future. Not financial advice.