Crypto DCA Calculator

Dollar-cost averaging (DCA) is the strategy of investing a fixed dollar amount at regular intervals regardless of price. Rather than trying to time the market — a notoriously unreliable strategy even for professionals — DCA investors commit to a schedule and let the math work for them: they automatically buy more coins when prices are low and fewer when prices are high. Over time this mechanical discipline tends to produce an average purchase price lower than a random lump-sum entry, because the fixed dollar amount is weighted toward buying more at lower prices. This calculator models the outcome of a completed or ongoing DCA campaign. Enter the amount invested per purchase, the total number of purchases made, your average buy price across all those purchases, and the current market price. The outputs show total invested capital, current portfolio value, profit or loss in dollars, return on investment percentage, and total coins accumulated. DCA is practiced by investors at every level: from first-time buyers contributing $50 per week from a paycheck, to institutional treasuries running automated purchase programs. It is most powerful in volatile markets where catching the exact bottom is nearly impossible, and it removes the psychological stress of watching prices constantly. DCA does not guarantee profit — if the asset price sits below your average buy price, you are at a loss regardless of the strategy used.

Total Invested = Periodic Amount × Number of Purchases. Coins Accumulated = Total Invested ÷ Average Buy Price. Current Value = Coins Accumulated × Current Price. Profit = Current Value − Total Invested. ROI = (Profit ÷ Total Invested) × 100. Worked example: $100 invested weekly for 12 weeks at an average buy price of $45,000 per BTC, with BTC now at $65,000. Total Invested = $100 × 12 = $1,200. Coins Accumulated = $1,200 ÷ $45,000 = 0.026667 BTC. Current Value = 0.026667 × $65,000 = $1,733.33. Profit = $533.33. ROI = 44.4%. The Average Buy Price field represents your true cost basis — the dollar-weighted average of all purchase prices. If you bought equal dollar amounts at $40,000, $50,000, and $45,000, your average buy price is $45,000. This is the harmonic mean of prices weighted by dollar amount, which is always lower than the simple arithmetic mean of prices. That mathematical property is the core reason DCA tends to produce favorable average cost compared to an equal-share purchase at every price level.