About the Crypto DCA Calculator
This crypto DCA calculator simulates dollar-cost averaging — buying a fixed dollar amount of Bitcoin, Ethereum or any coin on a regular schedule. Type the price at each purchase (weekly, monthly or whatever schedule you use), the amount per buy and your exchange fee, and it works out how many coins you accumulated, your average cost per coin and what the stack is worth at today’s price.
Because you enter real or hypothetical prices rather than an assumed growth rate, you can replay what actually happened over the last year, or stress-test a plan against a crash-and-recovery path. The calculator also compares your result with investing the same total as a lump sum at the first price, so you can see whether spreading purchases helped or hurt.
DCA buys more coins when prices are low and fewer when they are high, so before fees your average cost is always at or below the simple average of the prices you paid. It does not guarantee a profit: if the price ends below your average cost, the position is still at a loss.
With the default inputs, the portfolio value is $1,421.83. Change any value above to recalculate instantly.
How to use the crypto dca calculator
- 1Enter the fixed amount you invest on each recurring buy.
- 2Paste or type the coin price for each purchase date, in order.
- 3Add your exchange’s fee per purchase.
- 4Enter today’s price (or leave 0 to use the last price in the list).
- 5Review your average cost, portfolio value and the lump-sum comparison.
Formula and method
Each purchase spends the same amount A. After the percentage fee f is deducted, the remainder buys A × (1 − f) ÷ Pᵢ coins at that buy’s price. Adding up every purchase gives your total coins, and dividing the total money spent (including fees) by total coins gives your fee-inclusive average cost basis.
Because you buy a fixed dollar amount, lower prices buy more coins; mathematically your average cost is the harmonic mean of the prices (adjusted for fees), which is never higher than the simple average. The lump-sum comparison invests the same total at the first price in the list and values it at the current price.
- A
- Amount invested per buy
- f
- Fee rate per buy (0.5% = 0.005)
- Pᵢ
- Coin price at buy i
- N
- Number of buys
Worked examples
$200 a month into Bitcoin through a dip
Six $200 buys (after a 0.5% fee, $199 each) at prices from $48,000 to $70,000 accumulate about 0.020909 BTC for $1,200, an average cost of about $57,391 including fees. At $68,000 the stack is worth about $1,421.83 (+18.5%) — roughly $69 more than the $1,353.20 you would have from buying $1,200 at once at $60,000.
Weekly $50 into a falling market
Eight $50 buys as the price slides from $3,500 to $2,300 collect about 0.14390 coins at an average of about $2,780. Valued at the last price of $2,300, the position is worth about $331, a 17.3% loss — but still better than a $400 lump sum at $3,500, which would be worth about $263.
Frequently asked questions
What is DCA in crypto?+
Dollar-cost averaging means investing a fixed amount of money at regular intervals — for example $100 of Bitcoin every week — regardless of price. It removes the need to time the market and spreads your entry over many prices.
Is DCA better than investing a lump sum?+
In markets that rise over time, a lump sum invested earlier usually ends up ahead because more money is exposed to growth for longer. DCA tends to win when prices fall after you start. Its main benefit is lower regret and less timing risk, not a guaranteed higher return.
How is DCA average cost calculated?+
Divide the total money you spent, including fees, by the total number of coins you bought. Because a fixed amount buys more coins at low prices, this average is lower than the simple average of the purchase prices.
How often should I DCA into Bitcoin?+
Weekly and monthly are the most common schedules. More frequent buys smooth the average slightly more but can add up in fees if your exchange charges a minimum or flat fee per purchase, so pick a frequency where fees stay small.
Does DCA work for altcoins?+
The math works for any asset, but DCA only helps if the asset eventually recovers. Buying a token that keeps falling to zero just adds losses, so research the project before committing to a long-term plan.
Results are estimates for educational purposes and are not financial advice. Rates, fees and terms vary — confirm with your lender or a licensed advisor before making decisions.