DCA Calculator
Dollar Cost Averaging
See exactly what would have happened if you DCA'd into BTC, ETH, or S&P 500 using real historical prices. Compare against lump sum investing.
REAL HISTORICAL PRICES
$
$/ month
64 monthly data pointsPrice range: $6,424.00 — $102,000.00Start: $9,350.00 → End: $84,000.00
Portfolio Value
$30,284
↑ 309.2% ROI
Total Invested
$7,400
Profit / Loss
+$22,884
Avg Buy Price
$20,525.96
Units Accumulated
0.360519 BTC
Final Price
$84,000.00
DCA vs Lump Sum
DCA
$30,284
+$22,884 (309.2%)
Lump SumWINNER
$66,481
+$59,081 (798.4%)
Portfolio Growth Over Time
Understanding DCA
What is Dollar Cost Averaging?
Investment Strategy Guide
Dollar Cost Averaging (DCA) is an investment strategy where you invest a fixed amount at regular intervals, regardless of the asset price. Instead of trying to time the market, you buy consistently — accumulating more units when prices are low and fewer when prices are high. Over time, this averages out your purchase price and reduces the impact of volatility.
Advantages
Removes emotion from investing — no need to time the market
Reduces impact of volatility on your average entry price
Simple and automated — set it and forget it
Lower risk of buying all at the worst possible time
Considerations
In a strong bull market, lump sum may outperform DCA
Requires discipline and long-term commitment
Transaction fees can add up with frequent purchases
1. The Infinite Entry
This institutional technique ignores local tops. By averaging into daily or weekly frequencies, volatility impact is mathematically reduced toward the cycle's arithmetic mean. Preferred by crypto funds and treasuries.
2. Dynamic DCA (Value Averaging)
Increase your periodic buy by 20% when price drops below the 200-day SMA. This aggressive DCA variant lowers your breakeven 15-20% faster than standard DCA.
Golden Rule: Survive to Win
DCA is not just buying; it's liquidity management. Always keep 10% of your capital in reserve for extreme crashes outside your programmed schedule.
