Bitcoin DCA Calculator
See how regular Bitcoin purchases would have performed. Change the schedule, compare an upfront investment, and inspect every buy.
Portfolio value
$5,193.10
Total return
-2.02%−$106.90
Valued at close on (UTC)
- Total contributed
- $5,300.00
- BTC accumulated
- 0.06758149 BTC
- Average cost per BTC
- $78,423.84
- Regular purchases
- $5,193.10
- Total contributed
- $5,300.00
- All upfront
- $3,509.85
What if you invested it all upfront?
The same total contribution, invested on the first date with the same fee. This assumes the full budget was available from the start; uninvested cash earns no interest.
- All upfront
- $3,509.85
- DCA minus upfront
- $1,683.25
- Total buy fees
- $5.30
Purchase breakdown (53)
Each row uses that day's closing price. BTC balances are before any sale.
| Date | BTC price | Buy fee | BTC bought | BTC accumulated |
|---|---|---|---|---|
| $115,918.29 | $0.10 | 0.00086181 | 0.00086181 | |
| $115,685.63 | $0.10 | 0.00086355 | 0.00172536 | |
| $109,635.85 | $0.10 | 0.0009112 | 0.00263656 | |
| $122,391.00 | $0.10 | 0.00081624 | 0.0034528 | |
| $110,644.40 | $0.10 | 0.00090289 | 0.00435569 | |
| $107,185.01 | $0.10 | 0.00093203 | 0.00528772 | |
| $111,646.27 | $0.10 | 0.00089479 | 0.00618251 | |
| $110,098.10 | $0.10 | 0.00090737 | 0.00708988 | |
| $102,312.94 | $0.10 | 0.00097642 | 0.0080663 | |
| $95,596.24 | $0.10 | 0.00104502 | 0.00911132 | |
| $84,739.74 | $0.10 | 0.0011789 | 0.01029022 | |
| $90,802.44 | $0.10 | 0.00110019 | 0.01139042 |
Daily spot closes: Binance BTCUSDT · Available: 2017-08-17 – 2026-09-13 (UTC). FX snapshot: 2026-09-14.
How this calculation works
We use completed UTC daily closes from Binance's BTCUSDT spot market, available since August 2017. Each contribution minus its buy fee is divided by that day's price. The BTC balance is valued at the chosen end-date close. Total return is profit or loss divided by total contributions; it is not an annualized or money-weighted return.
USDT is treated as equivalent to USD. Other currencies use the displayed current FX snapshot for every historical price. This is a constant-FX illustration, not a historical fiat-currency backtest; it excludes changes in exchange rates and any USDT depeg.
Historical simulation only. Closing prices are not guaranteed execution prices. Spread, slippage, sale fees, taxes, yield and inflation are excluded. No leverage or futures funding. Past performance does not predict future results.
Common questions
What does dollar-cost averaging mean?
DCA means buying a fixed cash amount on a regular schedule. A lower price buys more BTC; a higher price buys less. Your average cost is total contributions divided by the BTC accumulated, including buy fees.
Does DCA guarantee a profit?
No. Bitcoin can lose value over any period. Spreading purchases changes entry timing; it does not remove market risk. Investing upfront can outperform in a rising market, while DCA can benefit from later price declines.
When are purchases made?
The first purchase is on your start date. Daily plans buy every day; weekly plans every seven days. Monthly plans use the same day of the month, clamped to month-end when needed, and restore the original day in longer months. Both endpoints are included.