DCA Calculator
See what buying a fixed amount on a regular schedule would have done, using real historical prices.
Runs entirely in your browser. No account, no wallet connection, and nothing you type is sent to us or stored.
Calculating…
This strategy would be worth today
You would have put in
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vs. buying it all on day one
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Purchases made
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This looks backwards, not forwards. It replays real historical prices to show what a regular-buying habit would have produced over that specific, already-known period. Past performance does not predict future performance, and this is not a recommendation to buy anything on any schedule.
What "DCA" actually means
Dollar-cost averaging is a plain idea wearing a jargon name: instead of trying to buy at the perfect moment, you buy a fixed amount on a fixed schedule regardless of the price. Some purchases land when prices are high, some when they are low, and over time you end up with an average price rather than betting everything on one guess.
Its real appeal for beginners is not that it guarantees a better outcome — it does not, and in a period where the price only rises, buying it all on day one wins every time, which the "lump sum" comparison above shows honestly. Its appeal is that it removes the need to time the market at all, which is a skill almost nobody reliably has, professionals included.
Why this only looks backwards
This tool uses real historical prices, so the result is arithmetic, not a projection. It answers "what would this habit have produced over these specific 90 days", never "what will it produce next". Markets do not repeat on schedule, and a strategy that looked smart over one period can look poor over the next. If regular buying appeals to you as a habit for reducing how much timing matters, read Staying Safe first — it is still money you could lose.