Free tool
DCA calculator
See what a regular buying schedule would be worth today, and how it compares with a single lump-sum purchase at the same average price.
Position value today
$0.00
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What this does and does not show
This models a constant average entry price across every buy, which is a simplification: real dollar-cost averaging buys at whatever the market does on each date, and the resulting average is usually different. Use it to compare scenarios, not to reconstruct an actual portfolio. Past returns say nothing about future ones.
What dollar-cost averaging actually does
Buying a fixed dollar amount on a schedule means you automatically buy more coins when the price is low and fewer when it is high. That lowers your average cost per coin relative to buying the same total in equal coin amounts, and it removes the decision of when to buy, which is where most people do themselves the most damage.
What it does not do is guarantee a profit, reduce your exposure to a sustained downtrend, or beat a lump sum in a rising market. In a market that mostly goes up, lump sum wins on average, because your money is exposed for longer. DCA wins on regret, not on expected return.
Reading the result
This tool holds your average entry price constant across every buy. Real DCA buys at whatever the market does on each date, so your actual average will differ. Use this to compare scenarios rather than to reconstruct a specific portfolio.