Calculator
PROJECTION — NOT GUARANTEED
104 buys · $10,400.00 invested in every scenario. Prices move steadily from today to the end price — real prices do not.
Your scenario · ends at $90,000.00
$12,826.48
- Profit / loss
- +$2,426.48 · +23.33%
- Average cost
- $72,974.04
- Lump sum instead
- $15,600.00
Price flat · ends at $60,000.00
$10,400.00
- Profit / loss
- $0.00 · 0.00%
- Average cost
- $60,000.00
- Lump sum instead
- $10,400.00
Price halves · ends at $30,000.00
$7,504.91
- Profit / loss
- −$2,895.09 · −27.84%
- Average cost
- $41,572.80
- Lump sum instead
- $5,200.00
Calculated instantly in your browser — no sign-up needed.
Educational tool, not financial advice. Results are arithmetic on the numbers you enter and say nothing about what a market will do.
How it works
Dollar-cost averaging buys a fixed amount on a fixed schedule, so more coins are bought when the price is low and fewer when it is high. The projection spreads your buys along a steady path from today's price to the end price you enter, and shows it beside two other paths — price flat and price halved — so you never see a single forecast.
The backtest uses a small table of monthly closing prices committed with this page: one buy at each month's close, valued at the close of the final month. Past results say nothing reliable about the future.
- Buys = months × buys per year ÷ 12
- Price at buy k = start × (end ÷ start)^(k ÷ (buys − 1))
- Coins = Σ amount ÷ price at each buy
- Value = coins × end price; average cost = invested ÷ coins
Example
Backtest: $100 into BTC at every monthly close from January 2021 to December 2024.
48 buys put in $4,800.00 at an average cost of $35,405.30. At the December 2024 close of $93,576.00 that was worth $12,686.37 (+164.30%). Historical, not a guide to future results.
Frequently asked questions
Is the projection a prediction?
No. It is labelled PROJECTION — NOT GUARANTEED for a reason: it shows what the arithmetic gives for a price path you chose, next to a flat and a falling path. Real prices do not move in a straight line.
Where does the backtest data come from?
From Binance spot BTC/USDT and ETH/USDT monthly closing prices (UTC), saved with the page. The tool makes no live data calls, so it works instantly and offline.
Is DCA better than investing a lump sum?
It depends on the price path. In a market that rises steadily a lump sum invested at the start tends to end higher; in a falling or choppy market DCA often ends with a lower average cost. The projection shows the lump-sum value beside each scenario for comparison.
Should I DCA weekly or monthly?
Over long periods the arithmetic difference between weekly and monthly buys is usually small — set the same total per month in the projection and switch the frequency to see it. Fees often matter more: a flat fee per purchase costs four times as much buying weekly. Choose a schedule you can keep up; this is a general explanation, not advice for your situation.
Are fees included?
No. Recurring-buy fees can be significant on small amounts, so check your platform's fee schedule.
