Bitcoin DCA Calculator
Buy a fixed dollar amount of Bitcoin every month and see what it adds up to — under your own price scenario, not a prediction.
Your DCA Plan
Default $80,494 — the BTC price as of November 5, 2026. Edit it to use today's price.
Your scenario for the BTC price when the plan ends. Same as the start price means a flat market.
Your DCA Result
DCA vs Lump Sum
Same total invested, bought all at once at the start price instead of month by month. When the price rises steadily, the lump sum buys more BTC — because it buys everything before the price goes up. DCA buys less in a rising market, but it also buys more when the price falls.
| Strategy | BTC bought | Final value | Gain / loss |
|---|---|---|---|
| DCA (monthly) | 0.37269859 BTC | $30,000.00 | +$0.00 (+0.00%) |
| Lump sum (all at start price) | 0.37269859 BTC | $30,000.00 | +$0.00 (+0.00%) |
Year by Year
Each year's value is the BTC held at that point priced at the model's year-end price. The final row equals the final value above.
| Year | Total invested | BTC held | Value |
|---|---|---|---|
| 1 | $6,000.00 | 0.07453972 BTC | $6,000.00 |
| 2 | $12,000.00 | 0.14907943 BTC | $12,000.00 |
| 3 | $18,000.00 | 0.22361915 BTC | $18,000.00 |
| 4 | $24,000.00 | 0.29815887 BTC | $24,000.00 |
| 5 | $30,000.00 | 0.37269859 BTC | $30,000.00 |
The flat default — start price = end price = $80,494 — is a scenario, not a prediction. $80,494 was the BTC price as of November 5, 2026; the price path between start and end is a straight line, and every month buys at that month's mid-point price. Nothing here is a prediction or investment advice.
How Bitcoin DCA Works
What is DCA?
Dollar-cost averaging means buying a fixed dollar amount on a fixed schedule — $500 every month, for example — instead of trying to time the market. When the price is low, the same $500 buys more BTC; when it is high, it buys less. Over time the average cost lands somewhere between the lows and the highs.
Why the average cost differs from the end price
In the default growth example — $500 a month for 5 years, BTC rising from $80,494 to $160,988 — the average cost is $116,130, not the $80,494 start or the $160,988 end. Early months buy cheap, later months buy expensive, and the average reflects the whole path. That is why the final value ($41,588) is far below the lump-sum result ($60,000) in a steadily rising market.
What this calculator assumes
The BTC price moves in a straight line from your start price to your end price; each month buys at that month's mid-point price; there are no exchange fees, no tax, and no missed months. Real prices never move in a straight line — a crash early in the plan buys far more BTC than this model shows, and a crash late buys far less. Change the end price to test different scenarios.
Check Today's BTC and Gold Prices
See the live prices and the day's support, resistance, buy, sell and stop-loss levels — or go back to the dividend calculator.