Bitcoin DCA Calculator

Dollar-cost averaging into Bitcoin means investing a fixed amount on a regular schedule (weekly, bi-weekly, or monthly) regardless of price. This calculator projects portfolio value, total invested, and BTC accumulated over 1–5 years. Free, no login.

Formula

Total invested = contribution × number of purchases. BTC accumulated = sum of (contribution ÷ BTC price at each purchase). This is the definition of DCA accounting, not a return forecast.

Worked example

Enter $100 per week, choose a 1–5 year window, and the calculator shows projected portfolio value, total invested, and BTC accumulated.

Source

Vanguard research is cited in the FAQ for lump-sum vs DCA in traditional markets (no year recorded in-repo). Bitcoin DCA results on this page are calculator output, not a cited study.

Frequently asked questions

Is DCA better than lump sum investing?

Vanguard research shows lump sum investing outperforms DCA about 68% of the time in traditional markets. However, Bitcoin's annualized volatility of 50–80% significantly increases the risk of lump-sum mistiming. DCA reduces maximum drawdown exposure by 30–40% in volatile assets, making it the preferred strategy for most Bitcoin investors.

What's the best day to DCA into Bitcoin?

Analysis of Bitcoin's historical price data shows Monday purchases have a slight statistical edge, with prices averaging 0.5–1% lower than weekly highs. However, the difference is negligible over multi-year horizons. Consistency and discipline matter far more than day selection.

How long should I DCA?

A minimum of 4 years (one full Bitcoin halving cycle) is recommended. Bitcoin's halving reduces new supply issuance by 50% approximately every 210,000 blocks. Historically, every 4-year DCA window in Bitcoin's existence has produced positive returns, with median annualized returns exceeding 40%.