CryptoMathly

Crypto DCA Calculator (Dollar-Cost Averaging)

Pick a coin, an amount and a start date. The calculator replays every purchase against real market prices and shows what your plan is worth today.

Your inputs

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Results Runs in your browser

Portfolio value today
—
Profit / loss—
ROI—
Total invested—
Coins accumulated—
Average buy price—
Current price—
Lump sum at start would be—
Purchases made—

What is dollar-cost averaging?

Dollar-cost averaging (DCA) means investing a fixed amount on a fixed schedule, regardless of price. When prices are low your fixed amount buys more coins, and when they are high it buys fewer. Over time this pulls your average cost toward the average market price and removes the pressure of trying to time the market.

How this DCA calculator works

For each week or month since your start date, the calculator buys your chosen amount at that period's opening price, using real historical candles from Binance. It then values all accumulated coins at today's live price.

Coins bought each period = Amount ÷ opening price
Portfolio value = Total coins × current price
Average cost = Total invested ÷ total coins

DCA vs lump sum

The "lump sum at start" figure shows what would have happened if you had invested the same total on day one. In strongly rising markets a lump sum usually wins, because more money is invested for longer. DCA tends to win when the start date is followed by a crash, and it almost always feels easier to stick with. The right choice depends on whether you have the money up front and how you handle volatility.

Limitations

  • Fees are not deducted. Recurring-buy fees of 0.5–2% on some apps reduce real results.
  • Coins launched after your start date begin from their first available month.
  • Past performance does not predict future returns.

Frequently asked questions

How much would $100 a month in Bitcoin since 2020 be worth?

Select BTC, $100, monthly and January 2020, and the calculator shows the current value using live prices. The answer changes every day with the Bitcoin price.

Is DCA better than buying all at once?

Historically a lump sum has often produced higher returns in rising markets, while DCA reduces the risk of investing everything right before a drop. DCA is also the only option if you invest from monthly income.

Is weekly or monthly DCA better?

Over long periods the difference is usually small. Weekly buying smooths volatility a little more but may cost more in fees if your platform charges a minimum fee per order.

Where does the price data come from?

Historical weekly and monthly candles come from Binance's public market-data API, priced in USDT, which tracks the US dollar.