Dollar-cost averaging (DCA) is the strategy of investing a fixed amount of money into Bitcoin at regular intervals, regardless of price. This calculator projects how many coins you would accumulate and what that position could be worth, using the current BTC price and an assumed annual growth rate you control.
Each period, the calculator buys $amount worth of Bitcoin at that period's projected price, starting from the current live price. The price for each subsequent purchase grows according to the annual rate you set, compounded per period — this is a projection based on an assumption you choose, not a prediction. Lowering the growth rate to 0% shows a pure accumulation view with no price movement; setting it negative models a prolonged bear market.
Bitcoin's volatility makes timing a single lump-sum purchase difficult — the same swings that create risk also mean that spreading purchases across many price points tends to average out the entry cost over time. DCA does not attempt to buy at the bottom; it removes the need to guess where the bottom is. Historically, 4-year DCA windows into Bitcoin have not produced a loss, though this is a historical observation about the past, not a guarantee about the future.
Weekly and bi-weekly plans average across more price points than monthly ones, which smooths volatility slightly further. The difference in long-term outcome is usually small compared to simply staying consistent for the full duration of the plan.
Short DCA windows (a few months) are more exposed to entering right before a downturn. Multi-year windows have historically absorbed single bad entry points more easily, since most of the position is built up over many different price levels.
Want to see what DCA into Bitcoin would have actually returned from a specific date in the past, using real historical prices?
Try the Time Machine →