Crypto DCA Calculator

Model dollar-cost averaging into Bitcoin, Ethereum, or any cryptocurrency. Calculate average cost per coin, total accumulated and final portfolio value.

Total investment periods (e.g. 52 for one year of weekly buying).

Average % change per period. For weekly DCA, a 0.5% weekly gain ≈ 28% annual.

Formula

Crypto DCA formula (geometric price model)

Period P Price Initial Price × (1 + Growth Rate%)^(P−1)
Coins Bought Periodic Investment ÷ Period P Price
Avg Cost Total Invested ÷ Total Coins

Model limitation: Uses monotonic price growth — actual DCA advantage in volatile crypto markets is typically higher than this model projects.

Worked Example

Given

$100/week · 4 weeks · Starting price $30,000 · 0.5% weekly growth

Week 1 — Coins
$100 ÷ $30,000 = 0.003333 BTC
Week 4 Price
$30,000 × 1.005³ ≈ $30,451.51
Result
Use calculator for total coins and avg cost

Frequently Asked Questions

Why DCA into crypto specifically?
Cryptocurrency is among the most volatile asset classes. DCA reduces timing risk — you avoid putting all your capital in at a local peak. By buying fixed amounts regularly, you accumulate more coins when prices drop and fewer when they spike, which naturally lowers your average cost in volatile markets.
What does the price growth rate represent?
The growth rate is the average percentage price change per investment period. For weekly DCA, enter a weekly rate; for monthly DCA, enter a monthly rate. A 0.5% weekly rate compounds to approximately (1.005)^52 − 1 = 30% annually. You can enter negative rates to model a declining market (e.g. bear market DCA).
What limitation does this model have?
This calculator uses a geometric (monotonic) price progression each period. Real DCA's biggest advantage comes from price volatility — buying more coins during dips. This model shows average cost mechanics but understates DCA's actual advantage in volatile markets. Since crypto is far more volatile than stocks, actual results in a volatile market will typically be better than this model shows.
Does this include exchange fees?
No. Exchange fees (typically 0.1%–0.5% per trade) are not deducted. For a $100 weekly investment at 0.2% fee, the fee is $0.20 per trade — for 52 trades, that's $10.40 in fees per year, which is material for small investment amounts.