What if I had DCA'd into BTC?
Dollar-cost averaging: same amount every month regardless of price. We run your scenario against real historical prices and show every purchase point on the chart.
Disclaimerpast ≠ future · crypto is volatile
01Asset
02DCA strategy
$
Jan 2022 → May 2026 · 53 monthly buys
→
$
⚠Past performance is not predictive. Crypto is highly speculative.
03 · DCA result · BTC · Jan 2022 → May 2026
BTC price
Your monthly buys
Avg cost basis
Portfolio value today
$20,465
$10,600 invested ·+$9,865 (+93%)
Total invested
$10,600
BTC accumulated
0.25582
Avg cost basis
$41.4k
Current price
$80k
DCA vs buying all at once
Buying month by month (low of $16.5k in Dec 2022) put your average cost at $41.4k — vs $38k buying it all in Jan 2022.
In this window lump-sum would have won by ~17pp: the asset rose fairly steadily, so going all-in early paid more. DCA shines when deep dips are involved.
02 · Historical example · BTC · Jan 2022–May 2026
Your monthly amount, applied to real BTC prices
Illustrative example: we apply your $200/mo to BTC's monthly price path from Jan 2022 to May 2026. Prices are approximate — not your actual buys or a forecast — it shows how DCA averages the price over the window.
Example breakdown · how much BTC each contribution would buy
03 · DCA vs lump-sum
Same $10,600 · two different entry strategies
DCA · monthly
$200/mo × 53 buys
Value today
$20,465
+93%· avg cost $41.4k
Buying month by month set your average cost at $41.4k. Volatility didn't help this time.
Lump sumWINS THIS WINDOW
$10,600 all in Jan 2022
Value today
$22,316
+111%· avg cost $38k
Bought it all at $38k in Jan 2022. A single cost basis means more exposure to entry timing.
DCA edge · this window
$1,850
In this window, lump-sum would have won by ~17pp: BTC rose fairly steadily, so going all-in early paid more. DCA shines when deep dips are involved.
Traditional version
Investment calculator
Same DCA idea but for index funds or any expected-return asset — the math is identical, the risk profile is not.
Open ↗Where the money comes from
Budget — find $200/mo
DCA only works if you actually commit the same amount each month. See where it fits in your budget.
Open ↗Save your work