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    Bitcoin DCA Calculator

    See how regular Bitcoin purchases would have performed. Change the schedule, compare an upfront investment, and inspect every buy.

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    Your purchase plan

    Bitcoin BTC

    Deducted from each purchase. Set your own fee; 0.1% is an example.

    Results update as you change your plan. Inputs stay in this browser.

    Portfolio value

    $5,930.45

    Total return

    +11.9%$630.45

    Valued at close on (UTC)

    Total contributed
    $5,300.00
    BTC accumulated
    0.06853637 BTC
    Average cost per BTC
    $77,331.21
    Regular purchasesTotal contributedAll upfront
    01,6013,2024,8046,405USD2025-10-042026-10-04
    Regular purchases
    $5,930.45
    Total contributed
    $5,300.00
    All upfront
    $3,743.33

    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
    $3,743.33
    DCA minus upfront
    $2,187.12
    Total buy fees
    $5.30
    Purchase breakdown (53)

    Each row uses that day's closing price. BTC balances are before any sale.

    Purchase breakdown · USD
    DateBTC priceBuy feeBTC boughtBTC accumulated
    $122,391.00$0.100.000816240.00081624
    $110,644.40$0.100.000902890.00171913
    $107,185.01$0.100.000932030.00265116
    $111,646.27$0.100.000894790.00354595
    $110,098.10$0.100.000907370.00445333
    $102,312.94$0.100.000976420.00542974
    $95,596.24$0.100.001045020.00647476
    $84,739.74$0.100.00117890.00765367
    $90,802.44$0.100.001100190.00875386
    $89,236.79$0.100.001119490.00987335
    $90,240.01$0.100.001107050.0109804
    $88,360.90$0.100.001130590.01211099

    Daily spot closes: Binance BTCUSDT · Available: – (UTC). FX snapshot: .

    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?

    Daily and weekly plans buy from the start date, every day or every seven days. Monthly plans use the original day of the month, clamping to month-end where needed. Selected-weekday plans buy only on the chosen UTC weekdays within the inclusive date range; the start date need not be a purchase day. The amount is per purchase, not a weekly budget split across days. With the same total budget and percentage fee, splitting purchases does not by itself increase percentage commissions. Fixed charges and minimum orders are not modelled.