DCA Calculator
Plan a recurring buy of Bitcoin, Ethereum, or any coin or stock — see what you'd accumulate over time and how it stacks up against investing it all today.
Starting from BTC's current price: $76,940.66
Projected portfolio value
Invested
$5,200.00
Units accumulated
0.06758 BTC
Avg. cost per unit
$76,940.66
Real-time push notifications the moment your buy zone hits, so a dip never slips by. 5★ on the App Store.
DCA vs. investing it all today
Your DCA plan
$5,200.00
0.00%
Same total, today
$5,200.00
0.00%
With flat prices, timing doesn't matter — DCA and a lump sum land in exactly the same place.
Plan breakdown
- Number of buys
- 52
- Starting price
- $76,940.66
- Ending price (assumed)
- $76,940.66
Key concepts
Dollar-cost averaging
Investing a fixed amount at regular intervals instead of all at once — you buy more units when price is low and fewer when it's high, smoothing your entry point over time.
Average cost basis
The blended price you paid across every buy — total invested divided by total units. It moves toward the market price as more buys accumulate.
Lump sum vs. DCA
Investing everything on day one captures the most upside in a rising market, but risks bad timing. DCA trades some upside for lower regret if the entry point turns out to be a bad one.
Timing risk
The risk of investing a large amount right before a downturn. DCA doesn't eliminate this risk — it spreads it across many smaller decisions instead of one big one.
Why frequency matters
Daily, weekly, and monthly buys land at different points along the same price path — more frequent buys track the average price more closely, at the cost of more transactions.
This is a projection, not a forecast
The growth rate you choose is a hypothetical you control, not a market prediction. Nothing here predicts what any asset's price will actually do.
Frequently asked questions
What is dollar-cost averaging (DCA)?
DCA means investing a fixed amount at regular intervals — say $50 every week — instead of investing a lump sum at once. It removes the need to time the market: you automatically buy more units when the price is low and fewer when it's high.
How does this calculator project results?
It starts at the asset's live price, applies your chosen recurring amount and frequency for the duration you set, and grows the price smoothly at the annual rate you choose. It sums the units bought at each period's price to get your total units, average cost, and projected value.
Is DCA better than investing a lump sum?
Neither wins universally. In a steadily rising market, a lump sum invested earlier captures more of the gain. DCA's advantage is behavioral and risk-based — it avoids the regret of investing everything right before a drop, and turns market timing into a non-issue.
How often should I DCA?
More frequent buys (daily or weekly) track the average price more closely and reduce the impact of any single bad-timed purchase, at the cost of more transactions and fees on some exchanges. Monthly is the most common starting point for beginners.
What growth rate should I use?
There's no correct answer — nobody can predict future prices. Try a few scenarios (flat, moderate, bearish) to see the range of plausible outcomes rather than anchoring on one number.
Is this calculator accurate?
It's accurate arithmetic on the assumptions you provide, not a prediction. Real prices move unpredictably day to day; treat the output as a planning exercise, not a guarantee.