Set a repeatable budget
Choose an amount and frequency you could follow consistently. The calculator treats each scheduled contribution as a separate purchase.
Historical backtest / Future planner
Bitcoin & Crypto DCA Calculator
Backtest recurring BTC, ETH, or SOL purchases with real daily closing prices, or explore a transparent future price scenario. Include purchase fees, measure average cost and ROI, and compare DCA with investing the same budget at the start.
Real market historyFlexible schedulesFees includedLump-sum comparison
Historical DCA backtest
Test a recurring buy against real market history
Check these inputs
- Choose a start date before the end date.
01 / Market history
02 / Purchase plan
03 / Purchase cost
The fee is deducted from every scheduled contribution before 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
Historical mode uses Binance Spot daily closing prices for each scheduled purchase. Future mode uses a smooth compound path to create one transparent scenario. In both modes, every contribution becomes asset quantity after its purchase fee is deducted.
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- Historical mode uses one daily close as a simplified execution price; future mode uses a smooth modeled path.
- Contributions occur at each selected interval, while the optional initial investment occurs on the first date.
- 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?
Yes. Historical mode uses real Binance Spot daily closing prices for BTC, ETH, and SOL. Future mode remains a separate planning scenario and does not predict 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.
Continue checking the plan