DCA Calculator
Model dollar-cost averaging returns for Bitcoin, Ethereum, and other crypto. See how regular investing compounds over time — with realistic fee estimates.
Some links on this page are affiliate links. We may earn a commission at no extra cost to you if you sign up or make a purchase through these links. This does not influence our editorial evaluations. Learn more
DCA Settings
Past performance does not predict future results. This is a hypothetical scenario.
DCA Projection
Hypothetical Portfolio Value
$5.51K
| Number of purchases | 36 |
| Total invested | $3.60K |
| Total fees paid | $18.00 |
| Bitcoin accumulated | 0.038565 |
| Average cost per unit | $92.88K |
| Hypothetical profit | $1.91K |
Best Exchanges for Auto-DCA
These exchanges support automatic recurring purchases — set it and forget it.
Bitcoin-only. Zero trading fees on recurring buys. Auto-withdraw to cold storage.
Multi-asset recurring buys. Best for beginners wanting BTC + ETH + altcoins.
Low fees with recurring buy feature. Good for cost-conscious DCA investors.
We may earn a commission if you sign up through these links. Full disclosure
Recommended next steps
Limitations
- •This calculator uses a simplified growth model with constant annual return
- •Actual crypto returns are highly volatile and unpredictable
- •Past performance does not predict future results
- •Does not account for taxes, withdrawal fees, or spread costs
- •Not financial advice — for educational purposes only
This tool provides educational information only. It is not financial, tax, or legal advice. Always consult qualified professionals for decisions about your specific situation. Results are based on general patterns and may not reflect your circumstances.
What Is Dollar-Cost Averaging (DCA)?
Dollar-cost averaging is an investment strategy where you invest a fixed amount of money at regular intervals, regardless of the asset's price. Instead of trying to time the market with one large purchase, DCA spreads your investment over time.
When prices are high, your fixed amount buys less crypto. When prices are low, the same amount buys more. Over time, this tends to lower your average purchase price compared to a single lump-sum investment at a random time.
Why DCA Works for Crypto
Cryptocurrency is one of the most volatile asset classes. Bitcoin has seen drawdowns of 50-80% in multiple cycles, followed by new all-time highs. DCA removes the emotional pressure of trying to pick the perfect entry point and instead builds your position systematically.
How to Set Up Automatic DCA
Most major exchanges support automatic recurring purchases. Here's how to get started:
- Choose an exchange that supports recurring buys — see our exchange reviews
- Decide your budget (e.g., $50/week or $200/month)
- Set up a bank transfer or debit card for automatic funding
- Enable recurring buy for your chosen asset(s)
- Consider auto-withdrawing to a hardware wallet for security
DCA vs Lump Sum Investment
Academic research on traditional assets shows that lump-sum investing outperforms DCA about two-thirds of the time in rising markets. However, DCA significantly reduces downside risk and is psychologically easier for most investors, especially in volatile markets like crypto. The best strategy is the one you can consistently stick with.