What is crypto dollar-cost averaging?

You buy a fixed amount of crypto on a schedule (weekly/monthly) instead of trying to time the perfect entry. This calculator compares that habit to putting a lump sum in up front under a constant return assumption.

Are the default return rates realistic?

No guarantee — they are editable presets for illustration. Crypto can drop 50%+ and stay there for years. Stress-test with lower (or negative) rates.

Is DCA always better than lump sum?

Not always. If the asset trends up, lump sum often wins in smooth-rate math. DCA can still win on behavior — you keep buying through ugly months.

Is this a buy recommendation for Bitcoin?

No. It is arithmetic on your assumptions. We do not recommend any coin.

All tools

Crypto DCA Calculator

Free crypto dollar-cost averaging calculator. Compare recurring Bitcoin/ETH buys vs lump sum with editable return assumptions. No signup.

Model weekly or monthly crypto buys against a lump sum under your assumed return. Chart included — stress-test rates because crypto drawdowns are brutal.

Crypto DCA inputs

Asset

Currency

Lump sum now ($)

Recurring buy ($)

Frequency

Assumed annual return %

Years

Preset returns are guesses for illustration — crypto drawdowns of 50%+ are normal. Change the rate to stress-test.

DCA vs lump sum

DCA final

$17,714.90

Invested $12,000.00 · 47.6%

Lump sum final

$10,535.91

Invested $5,000.00 · 110.7%

Under these assumptions, DCA ends ahead by $7,178.99. Real crypto paths are jagged — this is smooth-rate math, not a backtest.

Educational projection only. Not a recommendation to buy any coin. Past returns do not predict future results.

Crypto DCA in plain English

Same habit as stock DCA: fixed cash on a schedule. In crypto the swings are usually wider, so the emotional benefit of “I buy every Friday” can matter as much as the math. This tool shows both sides under a constant growth rate — not a historical backtest.

Related crypto tools

Convert fiat to coin amounts with the crypto converter, check a closed trade with crypto profit, or size risk with crypto position size.

Frequently asked questions

Related free trading tools

Explore more free calculators and simulators on Swift Penguin: stock market simulator, stock screener, market heatmap, economic calendar, earnings calendar, compare stocks, stock watchlist, dividend calendar, live stock lookup, position size calculator, risk reward calculator, compound growth projector, dividend & DRIP calculator, options profit calculator, portfolio tracker, dollar cost averaging calculator, average cost calculator, stock profit calculator, investment return calculator, capital gains tax calculator, retirement & FIRE calculator, inflation calculator, stop-loss calculator, Trading 212 portfolio charts, crypto prices & charts, crypto markets, crypto profit calculator, crypto position size, and crypto converter. Browse all free stock trading tools.

Illustrative projections only — not a recommendation to buy any cryptocurrency.

Commission-free stocks & ETFs

Ready to put this into practice?

Trading 212 — Commission-free stocks & ETFs with fractional shares. Read how the free-share offer works (signup + deposit required), then claim via our link if it fits.

Zero-commission stock & ETF investing
Fractional shares from $1
Free share up to £100 after signup + qualifying deposit on an eligible account (random value; T&Cs apply)

Open Trading 212 to claim How the free share works

Signup + deposit required · random bonus · capital at risk