Set a repeatable budget
Choose an amount and frequency you could follow consistently. The calculator treats each scheduled contribution as a separate purchase.
Recurring buys / Scenario planner
Crypto DCA Calculator
Plan recurring Bitcoin or crypto purchases, estimate the quantity and average cost under a clear price assumption, include purchase fees, and compare the result with investing the same total budget at the start.
Flexible schedulesFees includedAverage costSame-budget comparison
DCA plan
Turn a recurring buy into a measurable plan
01 / Purchase schedule
02 / Price scenario
Projection input
The tool applies a smooth compound price path between the start and end. This is a planning assumption, not a market forecast or historical backtest.
03 / Purchase cost
The fee is deducted from every contribution before the asset quantity is calculated.
DCA spreads purchases across time
Dollar-cost averaging means investing equal amounts at regular intervals, regardless of short-term price moves. A fixed contribution buys more units when the asset is cheaper and fewer when it is more expensive.
State the price assumption
Enter either an annual return or an ending price. The result is only as useful as the scenario you test.
Read cost and value separately
Average cost shows the price paid per unit. Portfolio value depends on the modeled ending market price.
How the estimate is calculated
Calcoring uses a smooth compound path to create one transparent future scenario. Every contribution is converted to asset quantity at that period’s modeled price after deducting its purchase fee.
01
Net purchase = Contribution × (1 − Fee rate)02
Quantity bought = Net purchase ÷ Price at that date03
Average purchase price = Total net purchases ÷ Total quantity04
Fee-adjusted break-even = Total contributed ÷ Total quantity05
Projected value = Total quantity × Ending price- The price moves smoothly between the starting and ending values; real markets do not.
- Contributions occur at the end of each selected interval, while the optional initial investment occurs immediately.
- ROI is a simple cash-on-cash figure, not an annualized investor return.
- Taxes, spreads, staking yield, custody costs, and sale fees are not included.
The comparison answers a narrow “what if?”
The lump-sum column invests the same total contribution budget at the starting price. This is useful for understanding timing exposure, but it assumes money planned for future contributions was already available on day one. DCA can reduce the risk of choosing one poor entry point, but it cannot guarantee a profit or protect against loss.
Investor.gov defines dollar-cost averaging as investing equal portions at regular intervals and notes that more shares are bought at lower prices and fewer at higher prices. Read the Investor.gov definition
Three years of monthly BTC purchases
Suppose BTC starts at $60,000. You invest $1,000 immediately, then $250 monthly for 36 months, with a 20% assumed annual return and a 0.10% purchase fee. The calculator models each of the 37 purchases separately, then totals the BTC accumulated, average purchase price, fees, and value at the modeled ending price.
Initial investment$1,000
Recurring purchase$250 monthly
Duration36 months
Total contributed$10,000
Purchase count37
Price assumption20% annual return
DCA questions
Is this a Bitcoin DCA calculator?
Yes. You can use it for Bitcoin or any divisible crypto asset by entering that asset’s starting price and scenario.
Does DCA guarantee a better result?
No. DCA changes purchase timing; it does not remove market risk. In a steadily rising scenario, investing available money earlier may finish ahead.
Is this a historical backtest?
No. It is a future scenario planner with a smooth modeled price path. It does not fetch historical candles or claim to predict future prices.
Why does the break-even exceed the average cost?
Average cost uses money that actually purchased the asset. Break-even also recovers the purchase fees deducted from your contributions.
Are sale fees included?
No. Purchase fees are included, but a future selling fee is not. Use the trading fee calculator to model entry and exit costs.
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