Crypto DCA Calculator
Calculate returns from dollar cost averaging into Bitcoin, Ethereum, or any cryptocurrency. See how DCA compares to lump sum investing.
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Expected annual appreciation (BTC historical ~50% CAGR)
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What is Dollar Cost Averaging (DCA)?
DCA is investing a fixed amount at regular intervals regardless of price, rather than investing everything at once. Instead of trying to time the market, you buy more when prices are low and less when prices are high. Studies show DCA reduces timing risk and often outperforms lump sum investing in volatile assets.
How does DCA compare to lump sum investing?
Historically, lump sum beats DCA about 66% of the time in bull markets because your money is working sooner. However, DCA wins when markets are volatile or downturns occur - you buy more at lower prices. DCA also reduces emotional stress and has psychological benefits. The difference is typically 3-5% annualized.
What return should I expect from crypto DCA?
Bitcoin has returned ~50% annually over the last decade despite massive volatility. Ethereum ~30%. These are exceptional returns - most portfolios use 10-25% for planning. DCA into crypto is higher risk than traditional investments, so adjust expectations accordingly and only invest what you can afford to lose.
Is DCA better for crypto than stocks?
Crypto DCA is especially valuable because of extreme volatility. A 50% drop means your regular purchases buy twice as many coins. But crypto DCA carries much higher risk than stock DCA. Consider crypto DCA as part of a diversified portfolio, not your entire investment strategy.